Side-by-side · Q2 2026 data
Glenwood State Bank (Incorporated) vs Luminate Bank
Metric by metric
| Measure | Glenwood State Bank (Incorporated) | Luminate Bank |
|---|---|---|
| TellerScore | 54 (stronger) | 47 |
| Capital cushion | 53 | 54 (stronger) |
| Loan quality | 32 (stronger) | 22 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 38 (stronger) | 1 |
| Problem-loan coverage | 68 (stronger) | 56 |
| Peer percentile | 10th | 5th |
| Total assets | $545.2M | $554.5M |
| Deposits / shares | $469.4M | $412.7M |
| Capital ratio | 10.28% | 10.40% (stronger) |
| Problem loans | 2.03% (stronger) | 2.33% |
| Net charge-offs | -0.03% (stronger) | 0.53% |
| Return on assets | 1.70% | 3.07% (stronger) |
| Loans ÷ deposits | 103.1% (stronger) | 108.8% |
| Uninsured deposits | 32.3% (stronger) | 63.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Glenwood State Bank (Incorporated) has the higher TellerScore (54 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Glenwood State Bank (Incorporated) leads on 5 and Luminate Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.