Side-by-side · Q2 2026 data
Farmers State Bank & Trust Co. vs Flora Bank & Trust
Metric by metric
| Measure | Farmers State Bank & Trust Co. | Flora Bank & Trust |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 44 (stronger) | 39 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 76 (stronger) | 57 |
| Funding & liquidity | 84 (stronger) | 80 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 53rd | 37th |
| Total assets | $130.2M | $126.0M |
| Deposits / shares | $117.9M | $117.2M |
| Capital ratio | 9.37% (stronger) | 8.94% |
| Problem loans | 0.33% | 0.23% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.41% (stronger) | 0.92% |
| Loans ÷ deposits | 76.0% | 53.0% (stronger) |
| Uninsured deposits | 14.5% (stronger) | 33.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank & Trust Co. has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank & Trust Co. leads on 5 and Flora Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.