Side-by-side · Q2 2026 data
Flatwater Bank vs Lincoln FSB of Nebraska
Metric by metric
| Measure | Flatwater Bank | Lincoln FSB of Nebraska |
|---|---|---|
| TellerScore | 56 | 69 (stronger) |
| Capital cushion | 44 | 67 (stronger) |
| Loan quality | 41 | 85 (stronger) |
| Earnings | 71 (stronger) | 35 |
| Funding & liquidity | 72 | 74 (stronger) |
| Problem-loan coverage | 71 | 94 (stronger) |
| Peer percentile | 13th | 40th |
| Total assets | $367.7M | $387.3M |
| Deposits / shares | $320.8M | $326.5M |
| Capital ratio | 9.38% | 11.70% (stronger) |
| Problem loans | 1.76% | 0.46% (stronger) |
| Net charge-offs | 0.02% | -0.05% (stronger) |
| Return on assets | 1.27% (stronger) | 0.38% |
| Loans ÷ deposits | 84.7% (stronger) | 86.2% |
| Uninsured deposits | 18.5% | 8.3% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Lincoln FSB of Nebraska has the higher TellerScore (69 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Flatwater Bank leads on 2 and Lincoln FSB of Nebraska on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.