Side-by-side · Q2 2026 data
First State Bank of Middlebury vs Lake City Bank
Metric by metric
| Measure | First State Bank of Middlebury | Lake City Bank |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 84 (stronger) | 69 |
| Loan quality | 48 | 88 (stronger) |
| Earnings | 84 | 86 (stronger) |
| Funding & liquidity | 35 (stronger) | 26 |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 34th | 70th |
| Total assets | $836.2M | $7.2B |
| Deposits / shares | $651.3M | $6.3B |
| Capital ratio | 13.37% (stronger) | 11.89% |
| Problem loans | 1.55% | 0.36% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.59% | 1.66% (stronger) |
| Loans ÷ deposits | 99.5% | 86.9% (stronger) |
| Uninsured deposits | 37.8% (stronger) | 57.6% |
| Offices | 6 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 12.4% |
Lake City Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Middlebury leads on 3 and Lake City Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elkhart, IN
- Goshen, IN
- South Bend, IN
- Middlebury, IN