Side-by-side · Q2 2026 data
Citizens State Bank of Milford vs Farmers & Merchants Bank of Hutsonville
Bank
Farmers & Merchants Bank of Hutsonville
Hutsonville, Illinois · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank of Milford | Farmers & Merchants Bank of Hutsonville |
|---|---|---|
| TellerScore | 62 | 95 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 39 | 97 (stronger) |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 20th | 97th |
| Total assets | $56.9M | $52.0M |
| Deposits / shares | $52.0M | $42.1M |
| Capital ratio | 9.11% | 18.48% (stronger) |
| Problem loans | 0.76% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.47% | 1.93% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 89.6% |
| Uninsured deposits | 21.7% | 10.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of Hutsonville has the higher TellerScore (95 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Milford leads on 2 and Farmers & Merchants Bank of Hutsonville on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.