Side-by-side · Q2 2026 data
Flatwater Bank vs First Nebraska Bank
Metric by metric
| Measure | Flatwater Bank | First Nebraska Bank |
|---|---|---|
| TellerScore | 56 | 75 (stronger) |
| Capital cushion | 44 | 53 (stronger) |
| Loan quality | 41 | 92 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 72 | 73 (stronger) |
| Problem-loan coverage | 71 | 97 (stronger) |
| Peer percentile | 13th | 61st |
| Total assets | $367.7M | $371.4M |
| Deposits / shares | $320.8M | $329.9M |
| Capital ratio | 9.38% | 10.32% (stronger) |
| Problem loans | 1.76% | 0.23% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.27% | 1.42% (stronger) |
| Loans ÷ deposits | 84.7% | 76.0% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 25.1% |
| Offices | 3 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
First Nebraska Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Flatwater Bank leads on 2 and First Nebraska Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.