Side-by-side · Q2 2026 data
Honor Bank vs Lake-Osceola State Bank
Metric by metric
| Measure | Honor Bank | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 48 | 75 (stronger) |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 74 | 84 (stronger) |
| Funding & liquidity | 65 | 87 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 47th | 88th |
| Total assets | $442.7M | $469.4M |
| Deposits / shares | $384.1M | $403.4M |
| Capital ratio | 9.77% | 12.53% (stronger) |
| Problem loans | 0.32% | 0.24% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 1.34% | 1.60% (stronger) |
| Loans ÷ deposits | 92.2% | 62.4% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 24.8% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Honor Bank leads on 2 and Lake-Osceola State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.