Side-by-side · Q2 2026 data
The Havana National Bank vs Farmers State Bank of Alto Pass, Ill.
Bank
Farmers State Bank of Alto Pass, Ill.
Alto Pass, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The Havana National Bank | Farmers State Bank of Alto Pass, Ill. |
|---|---|---|
| TellerScore | 55 (stronger) | 53 |
| Capital cushion | 72 (stronger) | 45 |
| Loan quality | 10 | 16 (stronger) |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 48 | 66 (stronger) |
| Problem-loan coverage | 69 (stronger) | 59 |
| Peer percentile | 11th | 9th |
| Total assets | $332.8M | $342.4M |
| Deposits / shares | $234.2M | $307.2M |
| Capital ratio | 12.17% (stronger) | 9.51% |
| Problem loans | 2.69% | 2.52% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.44% |
| Return on assets | 1.63% | 2.17% (stronger) |
| Loans ÷ deposits | 98.1% | 93.9% (stronger) |
| Uninsured deposits | 28.0% | 12.0% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | — |
The Havana National Bank has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 3 and Farmers State Bank of Alto Pass, Ill. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.