Side-by-side · Q2 2026 data
Farmers State Bank of Western Illinois vs North Central Bank
Metric by metric
| Measure | Farmers State Bank of Western Illinois | North Central Bank |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 91 (stronger) | 73 |
| Loan quality | 42 | 91 (stronger) |
| Earnings | 68 | 73 (stronger) |
| Funding & liquidity | 94 (stronger) | 86 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 57th | 82nd |
| Total assets | $167.3M | $165.9M |
| Deposits / shares | $143.4M | $144.7M |
| Capital ratio | 14.08% (stronger) | 12.26% |
| Problem loans | 1.74% | 0.26% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.19% | 1.33% (stronger) |
| Loans ÷ deposits | 51.0% (stronger) | 58.5% |
| Uninsured deposits | 20.7% (stronger) | 27.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Central Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Western Illinois leads on 3 and North Central Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.