Side-by-side · Q2 2026 data
The Havana National 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 Havana National Bank | The First Trust and Savings Bank of Watseka, Illinois |
|---|---|---|
| TellerScore | 55 | 96 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 10 | 99 (stronger) |
| Earnings | 85 | 92 (stronger) |
| Funding & liquidity | 48 | 86 (stronger) |
| Problem-loan coverage | 69 | 100 (stronger) |
| Peer percentile | 11th | 99th |
| Total assets | $332.8M | $337.1M |
| Deposits / shares | $234.2M | $285.9M |
| Capital ratio | 12.17% | 16.10% (stronger) |
| Problem loans | 2.69% | 0.03% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.63% | 1.80% (stronger) |
| Loans ÷ deposits | 98.1% | 53.2% (stronger) |
| Uninsured deposits | 28.0% | 27.4% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | — |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 0 and The First Trust and Savings Bank of Watseka, Illinois on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.