Side-by-side · Q2 2026 data
Legence Bank vs Southern Illinois Bank
Metric by metric
| Measure | Legence Bank | Southern Illinois Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 98 (stronger) | 65 |
| Funding & liquidity | 84 (stronger) | 82 |
| Problem-loan coverage | 86 (stronger) | 64 |
| Peer percentile | 43rd | 22nd |
| Total assets | $642.9M | $136.5M |
| Deposits / shares | $573.6M | $114.1M |
| Capital ratio | 9.55% | 17.72% (stronger) |
| Problem loans | 1.17% (stronger) | 4.75% |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 1.13% |
| Loans ÷ deposits | 69.0% | 63.6% (stronger) |
| Uninsured deposits | 21.2% (stronger) | 28.5% |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Legence Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Legence Bank leads on 4 and Southern Illinois Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.