Side-by-side · Q2 2026 data
Geddes Federal Savings and Loan Association vs Lake Shore Bank
Metric by metric
| Measure | Geddes Federal Savings and Loan Association | Lake Shore Bank |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 33 | 65 (stronger) |
| Funding & liquidity | 50 | 67 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $685.7M | $735.9M |
| Deposits / shares | $512.0M | $599.1M |
| Capital ratio | 14.70% | 17.43% (stronger) |
| Problem loans | 0.44% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.32% | 1.13% (stronger) |
| Loans ÷ deposits | 113.2% | 93.2% (stronger) |
| Uninsured deposits | 12.6% | 11.6% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Geddes Federal Savings and Loan Association leads on 1 and Lake Shore Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.