Side-by-side · Q2 2026 data
Chambers State Bank vs Bank of Elgin
Metric by metric
| Measure | Chambers State Bank | Bank of Elgin |
|---|---|---|
| TellerScore | 91 | 92 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 60 | 78 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 92nd |
| Total assets | $89.2M | $87.3M |
| Deposits / shares | $66.7M | $74.7M |
| Capital ratio | 24.74% (stronger) | 13.54% |
| Problem loans | 0.39% | 0.00% (stronger) |
| Net charge-offs | 0.30% | 0.00% (stronger) |
| Return on assets | 2.70% (stronger) | 2.34% |
| Loans ÷ deposits | 98.2% | 76.7% (stronger) |
| Uninsured deposits | 17.2% (stronger) | 20.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Elgin has the higher TellerScore (92 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Chambers State Bank leads on 3 and Bank of Elgin on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.