Side-by-side · Q2 2026 data
Central Bank Illinois vs First National Bank
Metric by metric
| Measure | Central Bank Illinois | First National Bank |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 38 (stronger) | 33 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 68 |
| Problem-loan coverage | 72 | 85 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $1.5B | $477.8M |
| Deposits / shares | $1.1B | $380.1M |
| Capital ratio | 10.39% | 18.41% (stronger) |
| Problem loans | 1.85% (stronger) | 2.01% |
| Net charge-offs | 0.75% (stronger) | 4.62% |
| Return on assets | 0.98% | 2.18% (stronger) |
| Loans ÷ deposits | 89.3% (stronger) | 90.6% |
| Uninsured deposits | 9.9% (stronger) | 16.2% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 13.6% |
First National Bank has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank Illinois leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.