Side-by-side · Q2 2026 data
Central Bank Illinois vs Providence Bank & Trust
Metric by metric
| Measure | Central Bank Illinois | Providence Bank & Trust |
|---|---|---|
| TellerScore | 55 | 81 (stronger) |
| Capital cushion | 54 | 65 (stronger) |
| Loan quality | 38 | 100 (stronger) |
| Earnings | 59 | 85 (stronger) |
| Funding & liquidity | 71 (stronger) | 64 |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 13th | 91st |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.39% | 11.50% (stronger) |
| Problem loans | 1.85% | 0.01% (stronger) |
| Net charge-offs | 0.75% | -0.00% (stronger) |
| Return on assets | 0.98% | 1.64% (stronger) |
| Loans ÷ deposits | 89.3% | 79.5% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 30.1% |
| Offices | 10 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
Providence Bank & Trust has the higher TellerScore (81 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank Illinois leads on 1 and Providence Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.