Side-by-side · Q2 2026 data
Frederick Community Bank, The vs The First Trust and Savings Bank of Watseka, Illinois
Bank
The First Trust and Savings Bank of Watseka, Illinois
Watseka, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Frederick Community Bank, The | The First Trust and Savings Bank of Watseka, Illinois |
|---|---|---|
| TellerScore | 84 | 96 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 99th |
| Total assets | $196.1M | $337.1M |
| Deposits / shares | $174.9M | $285.9M |
| Capital ratio | 10.44% | 16.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.20% (stronger) | 1.80% |
| Loans ÷ deposits | 54.1% | 53.2% (stronger) |
| Uninsured deposits | 28.8% | 27.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Frederick Community Bank, The leads on 3 and The First Trust and Savings Bank of Watseka, Illinois on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.