Side-by-side · Q2 2026 data
Midland Community Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | Midland Community Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 71 | 74 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 87 (stronger) | 83 |
| Funding & liquidity | 95 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 86th | 77th |
| Total assets | $68.8M | $840.1M |
| Deposits / shares | $56.6M | $730.2M |
| Capital ratio | 12.11% | 12.39% (stronger) |
| Problem loans | 0.00% (stronger) | 0.52% |
| Net charge-offs | 0.49% | 0.04% (stronger) |
| Return on assets | 1.66% (stronger) | 1.58% |
| Loans ÷ deposits | 64.9% (stronger) | 74.9% |
| Uninsured deposits | 12.0% (stronger) | 24.3% |
| Offices | 2 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Midland Community Bank has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Midland Community Bank leads on 5 and Prairie State Bank and Trust on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.