Side-by-side · Q2 2026 data
First National Bank in Pinckneyville vs Southern Illinois Bank
Metric by metric
| Measure | First National Bank in Pinckneyville | Southern Illinois Bank |
|---|---|---|
| TellerScore | 61 | 62 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 33 (stronger) | 0 |
| Earnings | 69 (stronger) | 65 |
| Funding & liquidity | 73 | 82 (stronger) |
| Problem-loan coverage | 77 (stronger) | 64 |
| Peer percentile | 20th | 22nd |
| Total assets | $138.4M | $136.5M |
| Deposits / shares | $124.5M | $114.1M |
| Capital ratio | 11.78% | 17.72% (stronger) |
| Problem loans | 2.01% (stronger) | 4.75% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.21% (stronger) | 1.13% |
| Loans ÷ deposits | 55.6% (stronger) | 63.6% |
| Uninsured deposits | 39.8% | 28.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Illinois Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Pinckneyville leads on 3 and Southern Illinois Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.