Side-by-side · Q2 2026 data
Bank First, N.A. vs Lake Ridge Bank
Metric by metric
| Measure | Bank First, N.A. | Lake Ridge Bank |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 43 | 50 (stronger) |
| Loan quality | 81 | 89 (stronger) |
| Earnings | 87 (stronger) | 62 |
| Funding & liquidity | 52 | 57 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 49th | 49th |
| Total assets | $5.9B | $3.4B |
| Deposits / shares | $5.0B | $2.8B |
| Capital ratio | 9.27% | 9.95% (stronger) |
| Problem loans | 0.56% | 0.34% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.67% (stronger) | 1.05% |
| Loans ÷ deposits | 88.9% | 87.0% (stronger) |
| Uninsured deposits | 32.7% | 29.4% (stronger) |
| Offices | 38 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | 7.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank First, N.A. leads on 1 and Lake Ridge Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.