Side-by-side · Q2 2026 data
First Community Bank vs Flatwater Bank
Metric by metric
| Measure | First Community Bank | Flatwater Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 56 |
| Capital cushion | 41 | 44 (stronger) |
| Loan quality | 87 (stronger) | 41 |
| Earnings | 60 | 71 (stronger) |
| Funding & liquidity | 71 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 71 |
| Peer percentile | 31st | 13th |
| Total assets | $342.3M | $367.7M |
| Deposits / shares | $300.2M | $320.8M |
| Capital ratio | 9.05% | 9.38% (stronger) |
| Problem loans | 0.40% (stronger) | 1.76% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.99% | 1.27% (stronger) |
| Loans ÷ deposits | 84.8% | 84.7% (stronger) |
| Uninsured deposits | 18.9% | 18.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and Flatwater Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.