Side-by-side · Q2 2026 data
Community Bank Mankato vs Luminate Bank
Metric by metric
| Measure | Community Bank Mankato | Luminate Bank |
|---|---|---|
| TellerScore | 47 | 47 |
| Capital cushion | 45 | 54 (stronger) |
| Loan quality | 28 (stronger) | 22 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 56 (stronger) | 1 |
| Problem-loan coverage | 63 (stronger) | 56 |
| Peer percentile | 5th | 5th |
| Total assets | $538.3M | $554.5M |
| Deposits / shares | $473.9M | $412.7M |
| Capital ratio | 9.49% | 10.40% (stronger) |
| Problem loans | 2.15% (stronger) | 2.33% |
| Net charge-offs | 0.26% (stronger) | 0.53% |
| Return on assets | 1.01% | 3.07% (stronger) |
| Loans ÷ deposits | 99.4% (stronger) | 108.8% |
| Uninsured deposits | 19.6% (stronger) | 63.3% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.4% | 4.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Community Bank Mankato leads on 4 and Luminate Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.