Side-by-side · Q2 2026 data
State Bank of Cherry vs First National Bank in Pinckneyville
Metric by metric
| Measure | State Bank of Cherry | First National Bank in Pinckneyville |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 66 | 68 (stronger) |
| Loan quality | 83 (stronger) | 33 |
| Earnings | 56 | 69 (stronger) |
| Funding & liquidity | 72 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 50th | 20th |
| Total assets | $137.6M | $138.4M |
| Deposits / shares | $105.5M | $124.5M |
| Capital ratio | 11.63% | 11.78% (stronger) |
| Problem loans | 0.50% (stronger) | 2.01% |
| Net charge-offs | 1.09% | 0.05% (stronger) |
| Return on assets | 0.89% | 1.21% (stronger) |
| Loans ÷ deposits | 87.1% | 55.6% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 39.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Cherry has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cherry leads on 3 and First National Bank in Pinckneyville on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.