Side-by-side · Q2 2026 data
First State Bank of St. Peter vs Flora Bank & Trust
Metric by metric
| Measure | First State Bank of St. Peter | Flora Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 43 | 92 (stronger) |
| Earnings | 88 (stronger) | 57 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 73rd | 37th |
| Total assets | $30.1M | $126.0M |
| Deposits / shares | $24.6M | $117.2M |
| Capital ratio | 18.52% (stronger) | 8.94% |
| Problem loans | 1.71% | 0.23% (stronger) |
| Net charge-offs | 0.61% | 0.04% (stronger) |
| Return on assets | 1.71% (stronger) | 0.92% |
| Loans ÷ deposits | 30.8% (stronger) | 53.0% |
| Uninsured deposits | 3.5% (stronger) | 33.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of St. Peter has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Peter leads on 5 and Flora Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.