Side-by-side · Q2 2026 data
The Harvard State Bank vs The First Trust and Savings Bank of Watseka, Illinois
Bank
The First Trust and Savings Bank of Watseka, Illinois
Watseka, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The Harvard State Bank | The First Trust and Savings Bank of Watseka, Illinois |
|---|---|---|
| TellerScore | 70 | 96 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 65 | 92 (stronger) |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 99th |
| Total assets | $331.5M | $337.1M |
| Deposits / shares | $294.0M | $285.9M |
| Capital ratio | 8.79% | 16.10% (stronger) |
| Problem loans | 0.26% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.13% | 1.80% (stronger) |
| Loans ÷ deposits | 65.0% | 53.2% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 27.4% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 2 and The First Trust and Savings Bank of Watseka, Illinois on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.