Side-by-side · Q2 2026 data
Central Bank Illinois vs First Central State Bank
Metric by metric
| Measure | Central Bank Illinois | First Central State Bank |
|---|---|---|
| TellerScore | 55 | 83 (stronger) |
| Capital cushion | 54 | 84 (stronger) |
| Loan quality | 38 | 93 (stronger) |
| Earnings | 59 | 77 (stronger) |
| Funding & liquidity | 71 (stronger) | 65 |
| Problem-loan coverage | 72 | 97 (stronger) |
| Peer percentile | 13th | 84th |
| Total assets | $1.5B | $772.4M |
| Deposits / shares | $1.1B | $595.4M |
| Capital ratio | 10.39% | 13.39% (stronger) |
| Problem loans | 1.85% | 0.21% (stronger) |
| Net charge-offs | 0.75% | 0.01% (stronger) |
| Return on assets | 0.98% | 1.43% (stronger) |
| Loans ÷ deposits | 89.3% | 82.4% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 26.7% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank Illinois leads on 1 and First Central State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.