Side-by-side · Q2 2026 data
Kinmundy Bank vs Flora Bank & Trust
Metric by metric
| Measure | Kinmundy Bank | Flora Bank & Trust |
|---|---|---|
| TellerScore | 85 (stronger) | 68 |
| Capital cushion | 80 (stronger) | 39 |
| Loan quality | 78 | 92 (stronger) |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 79 | 80 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 78th | 37th |
| Total assets | $80.1M | $126.0M |
| Deposits / shares | $69.0M | $117.2M |
| Capital ratio | 13.04% (stronger) | 8.94% |
| Problem loans | 0.67% | 0.23% (stronger) |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 2.14% (stronger) | 0.92% |
| Loans ÷ deposits | 73.1% | 53.0% (stronger) |
| Uninsured deposits | 22.5% (stronger) | 33.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kinmundy Bank has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Kinmundy Bank leads on 4 and Flora Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.