Side-by-side · Q2 2026 data
Central State Bank vs Hills Bank and Trust Company
Metric by metric
| Measure | Central State Bank | Hills Bank and Trust Company |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 53 | 84 (stronger) |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 49 (stronger) | 48 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 64th | 95th |
| Total assets | $419.3M | $4.8B |
| Deposits / shares | $344.4M | $3.5B |
| Capital ratio | 10.27% | 13.36% (stronger) |
| Problem loans | 0.02% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.73% | 2.08% (stronger) |
| Loans ÷ deposits | 93.9% (stronger) | 102.2% |
| Uninsured deposits | 30.7% | 23.8% (stronger) |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 6.6% |
Hills Bank and Trust Company has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and Hills Bank and Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.