Side-by-side · Q2 2026 data
First State Bank and Trust vs BankChampaign, National Association
Metric by metric
| Measure | First State Bank and Trust | BankChampaign, National Association |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 42 | 68 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 60 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 53rd | 86th |
| Total assets | $509.6M | $242.8M |
| Deposits / shares | $464.3M | $193.3M |
| Capital ratio | 9.25% | 11.84% (stronger) |
| Problem loans | 0.44% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.65% | 2.14% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 100.2% |
| Uninsured deposits | 29.2% | 12.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 0.0% |
BankChampaign, National Association has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 1 and BankChampaign, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.