Side-by-side · Q2 2026 data
Central State Bank vs Illini State Bank
Metric by metric
| Measure | Central State Bank | Illini State Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 0 | 38 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 77 | 84 (stronger) |
| Peer percentile | 43rd | 43rd |
| Total assets | $175.1M | $171.9M |
| Deposits / shares | $143.2M | $124.5M |
| Capital ratio | 17.92% (stronger) | 14.42% |
| Problem loans | 3.07% | 1.86% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 2.94% (stronger) | 1.26% |
| Loans ÷ deposits | 78.9% (stronger) | 85.5% |
| Uninsured deposits | 3.0% (stronger) | 22.4% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Central State Bank leads on 5 and Illini State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.