Side-by-side · Q2 2026 data
Villa Grove State Bank vs Hickory Point Bank and Trust
Metric by metric
| Measure | Villa Grove State Bank | Hickory Point Bank and Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 72 (stronger) | 60 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 90 (stronger) | 69 |
| Funding & liquidity | 73 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 81st | 68th |
| Total assets | $85.9M | $717.5M |
| Deposits / shares | $74.7M | $626.8M |
| Capital ratio | 12.22% (stronger) | 11.04% |
| Problem loans | 0.00% (stronger) | 0.18% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.75% (stronger) | 1.22% |
| Loans ÷ deposits | 73.3% | 69.0% (stronger) |
| Uninsured deposits | 27.3% | 25.1% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.9% |
Villa Grove State Bank has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Villa Grove State Bank leads on 4 and Hickory Point 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.