Side-by-side · Q2 2026 data
The Litchfield National Bank vs Southern Illinois Bank
Metric by metric
| Measure | The Litchfield National Bank | Southern Illinois Bank |
|---|---|---|
| TellerScore | 62 | 62 |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 92 (stronger) | 82 |
| Problem-loan coverage | 87 (stronger) | 64 |
| Peer percentile | 22nd | 22nd |
| Total assets | $135.7M | $136.5M |
| Deposits / shares | $120.6M | $114.1M |
| Capital ratio | 8.94% | 17.72% (stronger) |
| Problem loans | 0.84% (stronger) | 4.75% |
| Net charge-offs | -0.04% (stronger) | 0.00% |
| Return on assets | 0.75% | 1.13% (stronger) |
| Loans ÷ deposits | 67.9% | 63.6% (stronger) |
| Uninsured deposits | 13.0% (stronger) | 28.5% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Litchfield National Bank leads on 3 and Southern Illinois Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.