Side-by-side · Q2 2026 data
Flanagan State Bank vs Morton Community Bank
Metric by metric
| Measure | Flanagan State Bank | Morton Community Bank |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 46 | 56 (stronger) |
| Loan quality | 92 (stronger) | 73 |
| Earnings | 34 | 85 (stronger) |
| Funding & liquidity | 93 (stronger) | 73 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 34th | 66th |
| Total assets | $300.3M | $5.3B |
| Deposits / shares | $277.0M | $4.7B |
| Capital ratio | 9.59% | 10.62% (stronger) |
| Problem loans | 0.23% (stronger) | 0.81% |
| Net charge-offs | 0.10% (stronger) | 0.33% |
| Return on assets | 0.35% | 1.62% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 74.1% |
| Uninsured deposits | 16.9% (stronger) | 26.9% |
| Offices | 8 | 43 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 11.4% |
Morton Community Bank 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 Morton Community Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.