Side-by-side · Q2 2026 data
Flanagan State Bank vs First Secure State Bank
Metric by metric
| Measure | Flanagan State Bank | First Secure State Bank |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 46 | 80 (stronger) |
| Loan quality | 92 (stronger) | 56 |
| Earnings | 34 | 46 (stronger) |
| Funding & liquidity | 93 (stronger) | 81 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 34th | 37th |
| Total assets | $300.3M | $305.6M |
| Deposits / shares | $277.0M | $249.3M |
| Capital ratio | 9.59% | 13.03% (stronger) |
| Problem loans | 0.23% (stronger) | 1.31% |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 0.35% | 0.64% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 79.7% |
| Uninsured deposits | 16.9% | 11.0% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | — |
First Secure State Bank has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Flanagan State Bank leads on 2 and First Secure State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.