Side-by-side · Q2 2026 data
First National Bank of Scotia vs Lake Shore Bank
Metric by metric
| Measure | First National Bank of Scotia | Lake Shore Bank |
|---|---|---|
| TellerScore | 55 | 86 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 50 | 92 (stronger) |
| Earnings | 49 | 65 (stronger) |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 11th | 90th |
| Total assets | $719.0M | $735.9M |
| Deposits / shares | $632.0M | $599.1M |
| Capital ratio | 9.22% | 17.43% (stronger) |
| Problem loans | 1.50% | 0.25% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.74% | 1.13% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 93.2% |
| Uninsured deposits | 16.4% | 11.6% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 1 and Lake Shore Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.