Side-by-side · Q2 2026 data
Central Bank Illinois vs First State Bank
Metric by metric
| Measure | Central Bank Illinois | First State Bank |
|---|---|---|
| TellerScore | 55 | 69 (stronger) |
| Capital cushion | 54 | 59 (stronger) |
| Loan quality | 38 | 84 (stronger) |
| Earnings | 59 | 67 (stronger) |
| Funding & liquidity | 71 (stronger) | 49 |
| Problem-loan coverage | 72 | 93 (stronger) |
| Peer percentile | 13th | 53rd |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.39% | 10.93% (stronger) |
| Problem loans | 1.85% | 0.47% (stronger) |
| Net charge-offs | 0.75% | 0.00% (stronger) |
| Return on assets | 0.98% | 1.16% (stronger) |
| Loans ÷ deposits | 89.3% (stronger) | 98.1% |
| Uninsured deposits | 9.9% (stronger) | 26.8% |
| Offices | 10 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 7.3% |
First State Bank has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank Illinois leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Peru, IL
- Princeton, IL
- Rochelle, IL