Side-by-side · Q2 2026 data
First State Bank and Trust vs Lake Elmo Bank
Metric by metric
| Measure | First State Bank and Trust | Lake Elmo Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 39 | 66 (stronger) |
| Loan quality | 99 (stronger) | 72 |
| Earnings | 91 | 91 |
| Funding & liquidity | 56 | 65 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 53rd | 57th |
| Total assets | $499.0M | $529.7M |
| Deposits / shares | $455.4M | $462.6M |
| Capital ratio | 8.91% | 11.62% (stronger) |
| Problem loans | 0.03% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.77% | 1.79% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 91.3% |
| Uninsured deposits | 44.3% | 18.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 3.4% |
Lake Elmo Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 3 and Lake Elmo Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.