Side-by-side · Q2 2026 data
First National Bank of Decatur County vs Flint Community Bank
Metric by metric
| Measure | First National Bank of Decatur County | Flint Community Bank |
|---|---|---|
| TellerScore | 55 (stronger) | 54 |
| Capital cushion | 24 | 41 (stronger) |
| Loan quality | 88 (stronger) | 32 |
| Earnings | 31 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 48 |
| Problem-loan coverage | 90 (stronger) | 67 |
| Peer percentile | 11th | 10th |
| Total assets | $359.6M | $357.1M |
| Deposits / shares | $330.8M | $310.4M |
| Capital ratio | 7.42% | 9.06% (stronger) |
| Problem loans | 0.36% (stronger) | 2.05% |
| Net charge-offs | 0.04% (stronger) | 0.15% |
| Return on assets | 0.26% | 2.10% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 88.9% |
| Uninsured deposits | 21.8% (stronger) | 35.6% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 0.0% |
First National Bank of Decatur County has the higher TellerScore (55 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Decatur County leads on 5 and Flint Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.