Side-by-side · Q2 2026 data
Flat Branch Bank vs Investors Community Bank
Metric by metric
| Measure | Flat Branch Bank | Investors Community Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 76 (stronger) | 61 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 0 | 49 (stronger) |
| Funding & liquidity | 85 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 42nd | 33rd |
| Total assets | $92.8M | $98.5M |
| Deposits / shares | $79.2M | $87.1M |
| Capital ratio | 12.58% (stronger) | 11.13% |
| Problem loans | 0.00% (stronger) | 0.62% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | -0.96% | 0.73% (stronger) |
| Loans ÷ deposits | 72.6% | 58.5% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 40.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Flat Branch Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Flat Branch Bank leads on 5 and Investors Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.