Side-by-side · Q2 2026 data
First Financial Bank in Winnebago vs Vergas State Bank
Metric by metric
| Measure | First Financial Bank in Winnebago | Vergas State Bank |
|---|---|---|
| TellerScore | 82 | 93 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 78 | 95 (stronger) |
| Earnings | 71 | 75 (stronger) |
| Funding & liquidity | 88 | 93 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 70th | 94th |
| Total assets | $58.1M | $60.7M |
| Deposits / shares | $47.7M | $51.5M |
| Capital ratio | 13.81% | 15.27% (stronger) |
| Problem loans | 0.66% | 0.16% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.27% | 1.37% (stronger) |
| Loans ÷ deposits | 72.5% | 67.3% (stronger) |
| Uninsured deposits | 10.0% (stronger) | 13.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vergas State Bank has the higher TellerScore (93 vs 82). On the 6 directional measures above (where higher or lower is clearly better), First Financial Bank in Winnebago leads on 1 and Vergas State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.