This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Bloomington, IL
Health score
81.5
Total assets
$42.3M
Bank
Fairview, IL
Health score
83.9
Total assets
$40.9M
Answer first
Country Trust Bank leads on capitalization and profitability and lending quality; Fairview State Banking Company leads on financial health and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Fairview State Banking Company
Higher TFS health score
Capitalization
Country Trust Bank
Higher comparable capital ratio
Profitability
Country Trust Bank
Higher return on assets
Lending quality
Country Trust Bank
Lower problem-loan measure
Growth
Fairview State Banking Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Country Trust Bank | Fairview State Banking Company |
|---|---|---|
| TFS health score | 81.5/100 | 83.9/100Leads |
| Total assets | $42.3M | $40.9M |
| Total deposits / shares | $798.0K | $34.7M |
| Tier 1 capital ratio | 78.65%Leads | 14.33% |
| Return on assets | 24.71%Leads | 1.00% |
| Return on equity | 29.47%Leads |
Country Trust Bank
1 branches
Fairview State Banking Company
1 branches
Both institutions report branches in 1 state: IL.
Country Trust Bank
Unavailable
Fairview State Banking Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Country Trust Bank
0 in TFS registry
Fairview State Banking Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Country Trust Bank score | Country Trust Bank ROA | Fairview State Banking Company score | Fairview State Banking Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 23.79% | — | 0.77% |
| 2024-Q4 | — | 21.74% | — | 0.81% |
| 2025-Q1 | — | 26.55% | — | 1.15% |
| 2025-Q2 | — | 33.50% | — | 1.84% |
| 2025-Q3 | — | 25.67% | — | 1.58% |
| 2025-Q4 | — | 22.85% | — | 1.43% |
| 2026-Q1 | 79.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 7.49% |
| Non-performing loans | 0.00%Leads | 0.61% |
| Net charge-offs | 0.00%Leads | 0.16% |
| Efficiency ratio | 83.92% | 66.30%Leads |
| Loan-to-deposit ratio | 0.00% | 66.43% |
| Asset growth (YoY) | 7.86% | 10.49%Leads |
| Deposit / share growth (YoY) | 3.91% | 10.42%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 19.97% |
| 84.1/100 |
| 1.12% |
| 2026-Q2 | 81.5/100 | 24.71% | 83.9/100 | 1.00% |