Side-by-side · Q2 2026 data
Lafayette State Bank vs Cypress Bank & Trust
Metric by metric
| Measure | Lafayette State Bank | Cypress Bank & Trust |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 49 | 68 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 65 | 71 (stronger) |
| Funding & liquidity | 85 (stronger) | 62 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $252.2M | $256.8M |
| Deposits / shares | $229.0M | $219.3M |
| Capital ratio | 9.86% | 11.76% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | -0.17% (stronger) | 0.00% |
| Return on assets | 1.13% | 1.26% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 76.6% |
| Uninsured deposits | 17.8% (stronger) | 34.9% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Cypress Bank & Trust has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 3 and Cypress Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.