Side-by-side · Q2 2026 data
Tompkins State Bank vs Flanagan State Bank
Metric by metric
| Measure | Tompkins State Bank | Flanagan State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 48 (stronger) | 46 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 59 (stronger) | 34 |
| Funding & liquidity | 93 | 93 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 53rd | 34th |
| Total assets | $303.5M | $300.3M |
| Deposits / shares | $274.3M | $277.0M |
| Capital ratio | 9.82% (stronger) | 9.59% |
| Problem loans | 0.20% (stronger) | 0.23% |
| Net charge-offs | 0.09% (stronger) | 0.10% |
| Return on assets | 0.98% (stronger) | 0.35% |
| Loans ÷ deposits | 61.3% (stronger) | 65.6% |
| Uninsured deposits | 20.3% | 16.9% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
Tompkins State Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Tompkins State Bank leads on 6 and Flanagan State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.