Side-by-side · Q2 2026 data
The First National Bank of Litchfield vs Prairie State Bank and Trust
Metric by metric
| Measure | The First National Bank of Litchfield | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 65 | 74 (stronger) |
| Loan quality | 96 (stronger) | 83 |
| Earnings | 76 | 83 (stronger) |
| Funding & liquidity | 55 | 75 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 68th | 77th |
| Total assets | $150.4M | $840.1M |
| Deposits / shares | $131.8M | $730.2M |
| Capital ratio | 11.50% | 12.39% (stronger) |
| Problem loans | 0.13% (stronger) | 0.52% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.39% | 1.58% (stronger) |
| Loans ÷ deposits | 84.4% | 74.9% (stronger) |
| Uninsured deposits | 33.4% | 24.3% (stronger) |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Litchfield leads on 2 and Prairie State Bank and Trust on 5. 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.