Side-by-side · Q2 2026 data
The First National Bank of Raymond vs Prairie State Bank and Trust
Metric by metric
| Measure | The First National Bank of Raymond | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 59 | 74 (stronger) |
| Loan quality | 86 (stronger) | 83 |
| Earnings | 73 | 83 (stronger) |
| Funding & liquidity | 95 (stronger) | 75 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 72nd | 77th |
| Total assets | $187.1M | $840.1M |
| Deposits / shares | $172.3M | $730.2M |
| Capital ratio | 10.91% | 12.39% (stronger) |
| Problem loans | 0.42% (stronger) | 0.52% |
| Net charge-offs | -0.10% (stronger) | 0.04% |
| Return on assets | 1.33% | 1.58% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 74.9% |
| Uninsured deposits | 19.7% (stronger) | 24.3% |
| Offices | 5 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Raymond leads on 4 and Prairie State Bank and Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Girard, IL
- Virden, IL