Side-by-side · Q2 2026 data
The First Trust and Savings Bank of Watseka, Illinois vs Farmers State Bank
Bank
The First Trust and Savings Bank of Watseka, Illinois
Watseka, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The First Trust and Savings Bank of Watseka, Illinois | Farmers State Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 88 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 92 (stronger) | 76 |
| Funding & liquidity | 86 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 92nd |
| Total assets | $337.1M | $339.8M |
| Deposits / shares | $285.9M | $285.8M |
| Capital ratio | 16.10% (stronger) | 15.02% |
| Problem loans | 0.03% (stronger) | 0.23% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.80% (stronger) | 1.40% |
| Loans ÷ deposits | 53.2% (stronger) | 89.0% |
| Uninsured deposits | 27.4% | 19.2% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.5% |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 88). On the 7 directional measures above (where higher or lower is clearly better), The First Trust and Savings Bank of Watseka, Illinois leads on 5 and Farmers State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.