Side-by-side · Q2 2026 data
Blackhawk Bank & Trust vs First Central State Bank
Metric by metric
| Measure | Blackhawk Bank & Trust | First Central State Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 55 | 84 (stronger) |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 82 (stronger) | 77 |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 80th | 84th |
| Total assets | $2.0B | $772.4M |
| Deposits / shares | $1.6B | $595.4M |
| Capital ratio | 10.54% | 13.39% (stronger) |
| Problem loans | 0.09% (stronger) | 0.21% |
| Net charge-offs | 0.11% | 0.01% (stronger) |
| Return on assets | 1.55% (stronger) | 1.43% |
| Loans ÷ deposits | 78.3% (stronger) | 82.4% |
| Uninsured deposits | 34.2% | 26.7% (stronger) |
| Offices | 18 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Blackhawk Bank & Trust leads on 3 and First Central State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.