Side-by-side · Q2 2026 data
First Community Bank of Moultrie County vs Flora Bank & Trust
Metric by metric
| Measure | First Community Bank of Moultrie County | Flora Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 41 (stronger) | 39 |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 70 (stronger) | 57 |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 57th | 37th |
| Total assets | $119.7M | $126.0M |
| Deposits / shares | $109.7M | $117.2M |
| Capital ratio | 9.13% (stronger) | 8.94% |
| Problem loans | 0.10% (stronger) | 0.23% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.24% (stronger) | 0.92% |
| Loans ÷ deposits | 47.9% (stronger) | 53.0% |
| Uninsured deposits | 24.4% (stronger) | 33.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank of Moultrie County has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Moultrie County leads on 7 and Flora Bank & Trust on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.