Side-by-side · Q2 2026 data
First Community Bank, Xenia-Flora vs Flora Bank & Trust
Metric by metric
| Measure | First Community Bank, Xenia-Flora | Flora Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 70 (stronger) | 39 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 90 (stronger) | 57 |
| Funding & liquidity | 96 (stronger) | 80 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 81st | 37th |
| Total assets | $55.5M | $126.0M |
| Deposits / shares | $47.3M | $117.2M |
| Capital ratio | 12.03% (stronger) | 8.94% |
| Problem loans | 0.22% (stronger) | 0.23% |
| Net charge-offs | -0.04% (stronger) | 0.04% |
| Return on assets | 1.76% (stronger) | 0.92% |
| Loans ÷ deposits | 64.6% | 53.0% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 33.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank, Xenia-Flora leads on 6 and Flora Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Flora, IL