Side-by-side · Q2 2026 data
Holcomb Bank vs Flanagan State Bank
Metric by metric
| Measure | Holcomb Bank | Flanagan State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 38 | 46 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 81 (stronger) | 34 |
| Funding & liquidity | 63 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 50th | 34th |
| Total assets | $304.8M | $300.3M |
| Deposits / shares | $239.4M | $277.0M |
| Capital ratio | 8.84% | 9.59% (stronger) |
| Problem loans | 0.03% (stronger) | 0.23% |
| Net charge-offs | -0.02% (stronger) | 0.10% |
| Return on assets | 1.53% (stronger) | 0.35% |
| Loans ÷ deposits | 95.5% | 65.6% (stronger) |
| Uninsured deposits | 16.4% (stronger) | 16.9% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 14.2% |
Holcomb Bank has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Holcomb Bank leads on 5 and Flanagan State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.