Side-by-side · Q2 2026 data
Horizon Bank vs Lake-Osceola State Bank
Metric by metric
| Measure | Horizon Bank | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 55 | 75 (stronger) |
| Loan quality | 77 | 92 (stronger) |
| Earnings | 90 (stronger) | 84 |
| Funding & liquidity | 58 | 87 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 66th | 88th |
| Total assets | $6.5B | $469.4M |
| Deposits / shares | $5.5B | $403.4M |
| Capital ratio | 10.52% | 12.53% (stronger) |
| Problem loans | 0.70% | 0.24% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.16% |
| Return on assets | 1.75% (stronger) | 1.60% |
| Loans ÷ deposits | 89.7% | 62.4% (stronger) |
| Uninsured deposits | 26.2% | 24.8% (stronger) |
| Offices | 74 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 2 and Lake-Osceola State Bank on 5. 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.