Side-by-side · Q2 2026 data
Jeff Bank, National Association vs Lake Shore Bank
Metric by metric
| Measure | Jeff Bank, National Association | Lake Shore Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 86 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 96 (stronger) | 65 |
| Funding & liquidity | 94 (stronger) | 67 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 99th | 90th |
| Total assets | $686.2M | $735.9M |
| Deposits / shares | $579.2M | $599.1M |
| Capital ratio | 14.92% | 17.43% (stronger) |
| Problem loans | 0.37% | 0.25% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.91% (stronger) | 1.13% |
| Loans ÷ deposits | 63.9% (stronger) | 93.2% |
| Uninsured deposits | 17.2% | 11.6% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.9% | 23.9% |
Jeff Bank, National Association has the higher TellerScore (95 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Jeff Bank, National Association leads on 4 and Lake Shore Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.