Side-by-side · Q2 2026 data
Flatwater Bank vs Custer Federal State Bank
Metric by metric
| Measure | Flatwater Bank | Custer Federal State Bank |
|---|---|---|
| TellerScore | 56 | 80 (stronger) |
| Capital cushion | 44 | 70 (stronger) |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 71 (stronger) | 64 |
| Funding & liquidity | 72 | 74 (stronger) |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 13th | 77th |
| Total assets | $367.7M | $120.7M |
| Deposits / shares | $320.8M | $95.7M |
| Capital ratio | 9.38% | 11.99% (stronger) |
| Problem loans | 1.76% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.27% (stronger) | 1.10% |
| Loans ÷ deposits | 84.7% (stronger) | 86.4% |
| Uninsured deposits | 18.5% | 8.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Custer Federal State Bank has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Flatwater Bank leads on 2 and Custer Federal State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.