Side-by-side · Q2 2026 data
Flatwater Bank vs Sandhills State Bank
Metric by metric
| Measure | Flatwater Bank | Sandhills State Bank |
|---|---|---|
| TellerScore | 56 | 69 (stronger) |
| Capital cushion | 44 (stronger) | 34 |
| Loan quality | 41 | 95 (stronger) |
| Earnings | 71 | 81 (stronger) |
| Funding & liquidity | 72 (stronger) | 59 |
| Problem-loan coverage | 71 | 98 (stronger) |
| Peer percentile | 13th | 40th |
| Total assets | $367.7M | $382.8M |
| Deposits / shares | $320.8M | $347.1M |
| Capital ratio | 9.38% (stronger) | 8.42% |
| Problem loans | 1.76% | 0.16% (stronger) |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 1.27% | 1.52% (stronger) |
| Loans ÷ deposits | 84.7% | 79.3% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 34.6% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandhills State Bank 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 Sandhills State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.