Side-by-side · Q2 2026 data
Flanagan State Bank vs Bank of Pontiac
Metric by metric
| Measure | Flanagan State Bank | Bank of Pontiac |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 46 | 54 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 34 | 71 (stronger) |
| Funding & liquidity | 93 (stronger) | 58 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 34th | 66th |
| Total assets | $300.3M | $1.2B |
| Deposits / shares | $277.0M | $1.0B |
| Capital ratio | 9.59% | 10.35% (stronger) |
| Problem loans | 0.23% (stronger) | 0.27% |
| Net charge-offs | 0.10% (stronger) | 0.30% |
| Return on assets | 0.35% | 1.28% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 82.9% |
| Uninsured deposits | 16.9% (stronger) | 32.6% |
| Offices | 8 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 2.3% |
Bank of Pontiac has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Flanagan State Bank leads on 4 and Bank of Pontiac on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.