Side-by-side · Q2 2026 data
Illini State Bank vs Spring Valley City Bank
Metric by metric
| Measure | Illini State Bank | Spring Valley City Bank |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 94 (stronger) | 89 |
| Loan quality | 38 | 94 (stronger) |
| Earnings | 71 (stronger) | 54 |
| Funding & liquidity | 67 | 89 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 43rd | 86th |
| Total assets | $171.9M | $207.0M |
| Deposits / shares | $124.5M | $179.1M |
| Capital ratio | 14.42% (stronger) | 13.86% |
| Problem loans | 1.86% | 0.18% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.26% (stronger) | 0.84% |
| Loans ÷ deposits | 85.5% | 69.1% (stronger) |
| Uninsured deposits | 22.4% | 17.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spring Valley City Bank has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Illini State Bank leads on 2 and Spring Valley City Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.