Side-by-side · Q2 2026 data
BTC Bank vs First Bank of the Lake
Metric by metric
| Measure | BTC Bank | First Bank of the Lake |
|---|---|---|
| TellerScore | 60 (stronger) | 26 |
| Capital cushion | 44 (stronger) | 21 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 56 (stronger) | 53 |
| Funding & liquidity | 54 | 54 |
| Problem-loan coverage | 88 (stronger) | 13 |
| Peer percentile | 21st | 0th |
| Total assets | $1.9B | $2.3B |
| Deposits / shares | $1.4B | $2.0B |
| Capital ratio | 9.35% (stronger) | 7.08% |
| Problem loans | 0.72% (stronger) | 3.70% |
| Net charge-offs | -0.00% (stronger) | 0.62% |
| Return on assets | 0.90% (stronger) | 0.83% |
| Loans ÷ deposits | 105.8% (stronger) | 106.6% |
| Uninsured deposits | 9.8% | 8.4% (stronger) |
| Offices | 30 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
BTC Bank has the higher TellerScore (60 vs 26). On the 7 directional measures above (where higher or lower is clearly better), BTC Bank leads on 6 and First Bank of the Lake on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.