Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Cfsbank
Metric by metric
| Measure | First Northern Bank and Trust Company | Cfsbank |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 61 | 92 (stronger) |
| Earnings | 77 (stronger) | 29 |
| Funding & liquidity | 74 (stronger) | 61 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 80th | 31st |
| Total assets | $921.5M | $773.4M |
| Deposits / shares | $761.9M | $642.2M |
| Capital ratio | 15.29% (stronger) | 10.96% |
| Problem loans | 1.16% | 0.24% (stronger) |
| Net charge-offs | -0.14% (stronger) | 0.01% |
| Return on assets | 1.43% (stronger) | 0.21% |
| Loans ÷ deposits | 74.0% (stronger) | 77.1% |
| Uninsured deposits | 26.3% (stronger) | 35.1% |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
First Northern Bank and Trust Company has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank and Trust Company leads on 6 and Cfsbank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.