Side-by-side · Q2 2026 data
Security First Bank vs Flatwater Bank
Metric by metric
| Measure | Security First Bank | Flatwater Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 56 |
| Capital cushion | 33 | 44 (stronger) |
| Loan quality | 94 (stronger) | 41 |
| Earnings | 52 | 71 (stronger) |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 71 |
| Peer percentile | 36th | 13th |
| Total assets | $2.3B | $367.7M |
| Deposits / shares | $2.0B | $320.8M |
| Capital ratio | 8.30% | 9.38% (stronger) |
| Problem loans | 0.17% (stronger) | 1.76% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 0.81% | 1.27% (stronger) |
| Loans ÷ deposits | 77.1% (stronger) | 84.7% |
| Uninsured deposits | 20.9% | 18.5% (stronger) |
| Offices | 35 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | — |
Security First Bank has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Security First Bank leads on 4 and Flatwater Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.