Side-by-side · Q2 2026 data
The Havana National Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | The Havana National Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 72 | 74 (stronger) |
| Loan quality | 10 | 83 (stronger) |
| Earnings | 85 (stronger) | 83 |
| Funding & liquidity | 48 | 75 (stronger) |
| Problem-loan coverage | 69 | 95 (stronger) |
| Peer percentile | 11th | 77th |
| Total assets | $332.8M | $840.1M |
| Deposits / shares | $234.2M | $730.2M |
| Capital ratio | 12.17% | 12.39% (stronger) |
| Problem loans | 2.69% | 0.52% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.04% |
| Return on assets | 1.63% (stronger) | 1.58% |
| Loans ÷ deposits | 98.1% | 74.9% (stronger) |
| Uninsured deposits | 28.0% | 24.3% (stronger) |
| Offices | 7 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 2 and Prairie State Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lewistown, IL