Side-by-side · Q2 2026 data
Flora Bank & Trust vs 1st Equity Bank
Metric by metric
| Measure | Flora Bank & Trust | 1st Equity Bank |
|---|---|---|
| TellerScore | 68 | 85 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 57 | 75 (stronger) |
| Funding & liquidity | 80 (stronger) | 33 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 37th | 88th |
| Total assets | $126.0M | $130.0M |
| Deposits / shares | $117.2M | $87.7M |
| Capital ratio | 8.94% | 16.46% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.92% | 1.39% (stronger) |
| Loans ÷ deposits | 53.0% (stronger) | 110.4% |
| Uninsured deposits | 33.3% | 30.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Equity Bank has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Flora Bank & Trust leads on 1 and 1st Equity Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.