Side-by-side · Q2 2026 data
Flanagan State Bank vs State Bank
Metric by metric
| Measure | Flanagan State Bank | State Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 52 |
| Capital cushion | 46 (stronger) | 42 |
| Loan quality | 92 (stronger) | 57 |
| Earnings | 34 | 36 (stronger) |
| Funding & liquidity | 93 (stronger) | 84 |
| Problem-loan coverage | 95 (stronger) | 54 |
| Peer percentile | 34th | 8th |
| Total assets | $300.3M | $295.8M |
| Deposits / shares | $277.0M | $267.0M |
| Capital ratio | 9.59% (stronger) | 9.23% |
| Problem loans | 0.23% (stronger) | 1.28% |
| Net charge-offs | 0.10% (stronger) | 0.66% |
| Return on assets | 0.35% | 0.40% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 76.7% |
| Uninsured deposits | 16.9% | 11.5% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.2% | 16.3% |
Flanagan State Bank has the higher TellerScore (67 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Flanagan State Bank leads on 5 and State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.