Side-by-side · Q2 2026 data
Community Bank vs Flanagan State Bank
Metric by metric
| Measure | Community Bank | Flanagan State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 50 | 92 (stronger) |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 57 | 93 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 61st | 34th |
| Total assets | $310.8M | $300.3M |
| Deposits / shares | $210.7M | $277.0M |
| Capital ratio | 16.02% (stronger) | 9.59% |
| Problem loans | 1.50% | 0.23% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.10% |
| Return on assets | 1.46% (stronger) | 0.35% |
| Loans ÷ deposits | 102.1% | 65.6% (stronger) |
| Uninsured deposits | 16.4% (stronger) | 16.9% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
Community Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Community Bank leads on 5 and Flanagan State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.