Side-by-side · Q2 2026 data
West Central Bank vs Prairie State Bank and Trust
Metric by metric
| Measure | West Central Bank | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 69 | 74 (stronger) |
| Loan quality | 30 | 83 (stronger) |
| Earnings | 71 | 83 (stronger) |
| Funding & liquidity | 70 | 75 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 19th | 77th |
| Total assets | $232.2M | $840.1M |
| Deposits / shares | $207.1M | $730.2M |
| Capital ratio | 11.95% | 12.39% (stronger) |
| Problem loans | 2.10% | 0.52% (stronger) |
| Net charge-offs | 1.43% | 0.04% (stronger) |
| Return on assets | 1.28% | 1.58% (stronger) |
| Loans ÷ deposits | 83.1% | 74.9% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 24.3% |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 1 and Prairie State Bank and Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.