Side-by-side · Q2 2026 data
Illini State Bank vs North Central Bank
Metric by metric
| Measure | Illini State Bank | North Central Bank |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 94 (stronger) | 73 |
| Loan quality | 38 | 91 (stronger) |
| Earnings | 71 | 73 (stronger) |
| Funding & liquidity | 67 | 86 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 43rd | 82nd |
| Total assets | $171.9M | $165.9M |
| Deposits / shares | $124.5M | $144.7M |
| Capital ratio | 14.42% (stronger) | 12.26% |
| Problem loans | 1.86% | 0.26% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.26% | 1.33% (stronger) |
| Loans ÷ deposits | 85.5% | 58.5% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 27.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Central Bank has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Illini State Bank leads on 2 and North Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.