Side-by-side · Q2 2026 data
Isabella Bank vs Lake-Osceola State Bank
Metric by metric
| Measure | Isabella Bank | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 62 | 85 (stronger) |
| Capital cushion | 39 | 75 (stronger) |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 64 | 84 (stronger) |
| Funding & liquidity | 51 | 87 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 27th | 88th |
| Total assets | $2.2B | $469.4M |
| Deposits / shares | $1.8B | $403.4M |
| Capital ratio | 8.93% | 12.53% (stronger) |
| Problem loans | 0.49% | 0.24% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.16% |
| Return on assets | 1.10% | 1.60% (stronger) |
| Loans ÷ deposits | 85.4% | 62.4% (stronger) |
| Uninsured deposits | 36.5% | 24.8% (stronger) |
| Offices | 27 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 1 and Lake-Osceola State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.