Side-by-side · Q2 2026 data
Bank of Elgin vs Madison County Bank
Metric by metric
| Measure | Bank of Elgin | Madison County Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 85 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 78 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 92nd | 88th |
| Total assets | $87.3M | $613.2M |
| Deposits / shares | $74.7M | $479.2M |
| Capital ratio | 13.54% | 15.11% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.34% (stronger) | 1.33% |
| Loans ÷ deposits | 76.7% (stronger) | 94.9% |
| Uninsured deposits | 20.5% (stronger) | 23.4% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Elgin has the higher TellerScore (92 vs 85). On the 6 directional measures above (where higher or lower is clearly better), Bank of Elgin leads on 5 and Madison County Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.