Side-by-side · Q2 2026 data
West Central Bank vs First Bank and Trust Company of Illinois
Metric by metric
| Measure | West Central Bank | First Bank and Trust Company of Illinois |
|---|---|---|
| TellerScore | 60 | 61 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 30 (stronger) | 0 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 70 | 72 (stronger) |
| Problem-loan coverage | 70 (stronger) | 45 |
| Peer percentile | 19th | 20th |
| Total assets | $232.2M | $228.6M |
| Deposits / shares | $207.1M | $189.5M |
| Capital ratio | 11.95% | 15.91% (stronger) |
| Problem loans | 2.10% (stronger) | 8.37% |
| Net charge-offs | 1.43% | -0.03% (stronger) |
| Return on assets | 1.28% | 1.43% (stronger) |
| Loans ÷ deposits | 83.1% | 67.2% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 34.3% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
First Bank and Trust Company of Illinois has the higher TellerScore (61 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 2 and First Bank and Trust Company of Illinois on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.