Side-by-side · Q2 2026 data
First State Bank Shannon-Polo vs The First National Bank in Amboy
Metric by metric
| Measure | First State Bank Shannon-Polo | The First National Bank in Amboy |
|---|---|---|
| TellerScore | 51 | 78 (stronger) |
| Capital cushion | 53 | 57 (stronger) |
| Loan quality | 12 | 99 (stronger) |
| Earnings | 58 | 60 (stronger) |
| Funding & liquidity | 93 | 94 (stronger) |
| Problem-loan coverage | 67 | 100 (stronger) |
| Peer percentile | 8th | 72nd |
| Total assets | $190.5M | $324.5M |
| Deposits / shares | $167.1M | $264.9M |
| Capital ratio | 10.31% | 10.67% (stronger) |
| Problem loans | 2.64% | 0.04% (stronger) |
| Net charge-offs | 0.53% | -0.01% (stronger) |
| Return on assets | 0.94% | 1.01% (stronger) |
| Loans ÷ deposits | 64.6% | 49.6% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 20.2% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank in Amboy has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Shannon-Polo leads on 1 and The First National Bank in Amboy on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.