Side-by-side · Q2 2026 data
Vermont State Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | Vermont State Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 96 (stronger) | 75 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 48th | 77th |
| Total assets | $31.0M | $840.1M |
| Deposits / shares | $21.0M | $730.2M |
| Capital ratio | 28.17% (stronger) | 12.39% |
| Problem loans | 5.08% | 0.52% (stronger) |
| Net charge-offs | 0.07% | 0.04% (stronger) |
| Return on assets | 6.34% (stronger) | 1.58% |
| Loans ÷ deposits | 64.2% (stronger) | 74.9% |
| Uninsured deposits | 5.3% (stronger) | 24.3% |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Vermont State Bank leads on 4 and Prairie State Bank and Trust on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.