Side-by-side · Q2 2026 data
State Bank of Cherry vs Southern Illinois Bank
Metric by metric
| Measure | State Bank of Cherry | Southern Illinois Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 62 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 83 (stronger) | 0 |
| Earnings | 56 | 65 (stronger) |
| Funding & liquidity | 72 | 82 (stronger) |
| Problem-loan coverage | 94 (stronger) | 64 |
| Peer percentile | 50th | 22nd |
| Total assets | $137.6M | $136.5M |
| Deposits / shares | $105.5M | $114.1M |
| Capital ratio | 11.63% | 17.72% (stronger) |
| Problem loans | 0.50% (stronger) | 4.75% |
| Net charge-offs | 1.09% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.13% (stronger) |
| Loans ÷ deposits | 87.1% | 63.6% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 28.5% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Cherry has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cherry leads on 3 and Southern Illinois Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.