Side-by-side · Q2 2026 data
Federated Bank vs Southern Illinois Bank
Metric by metric
| Measure | Federated Bank | Southern Illinois Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 62 |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 68 (stronger) | 65 |
| Funding & liquidity | 78 | 82 (stronger) |
| Problem-loan coverage | 91 (stronger) | 64 |
| Peer percentile | 40th | 22nd |
| Total assets | $140.1M | $136.5M |
| Deposits / shares | $119.2M | $114.1M |
| Capital ratio | 8.88% | 17.72% (stronger) |
| Problem loans | 0.20% (stronger) | 4.75% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.20% (stronger) | 1.13% |
| Loans ÷ deposits | 74.8% | 63.6% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 28.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Federated Bank has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Federated Bank leads on 4 and Southern Illinois Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.