Side-by-side · Q2 2026 data
Bank of the Flint Hills vs First State Bank and Trust
Metric by metric
| Measure | Bank of the Flint Hills | First State Bank and Trust |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 36 | 36 |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 82 (stronger) | 67 |
| Funding & liquidity | 59 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 47th | 31st |
| Total assets | $544.5M | $514.9M |
| Deposits / shares | $473.0M | $457.6M |
| Capital ratio | 8.65% (stronger) | 8.64% |
| Problem loans | 0.03% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 1.56% (stronger) | 1.18% |
| Loans ÷ deposits | 90.2% | 72.7% (stronger) |
| Uninsured deposits | 25.5% | 20.3% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 17.6% |
Bank of the Flint Hills has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Flint Hills leads on 5 and First State Bank and Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.