Side-by-side · Q2 2026 data
Horizon Bank vs Lake City Bank
Metric by metric
| Measure | Horizon Bank | Lake City Bank |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 55 | 69 (stronger) |
| Loan quality | 77 | 88 (stronger) |
| Earnings | 90 (stronger) | 86 |
| Funding & liquidity | 58 (stronger) | 26 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 66th | 70th |
| Total assets | $6.5B | $7.2B |
| Deposits / shares | $5.5B | $6.3B |
| Capital ratio | 10.52% | 11.89% (stronger) |
| Problem loans | 0.70% | 0.36% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.08% |
| Return on assets | 1.75% (stronger) | 1.66% |
| Loans ÷ deposits | 89.7% | 86.9% (stronger) |
| Uninsured deposits | 26.2% (stronger) | 57.6% |
| Offices | 74 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | 12.4% |
Lake City Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 3 and Lake City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.