Side-by-side · Q2 2026 data
Bank 21 vs Flat Branch Bank
Metric by metric
| Measure | Bank 21 | Flat Branch Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 65 | 76 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 37 | 85 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 75th | 42nd |
| Total assets | $202.1M | $92.8M |
| Deposits / shares | $164.7M | $79.2M |
| Capital ratio | 11.51% | 12.58% (stronger) |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.00% |
| Return on assets | 2.72% (stronger) | -0.96% |
| Loans ÷ deposits | 109.6% | 72.6% (stronger) |
| Uninsured deposits | 27.1% | 17.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank 21 has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Bank 21 leads on 3 and Flat Branch Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.