Side-by-side · Q2 2026 data
Lafayette State Bank vs Madison County Community Bank
Metric by metric
| Measure | Lafayette State Bank | Madison County Community Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 49 (stronger) | 34 |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 65 (stronger) | 53 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 57th | 31st |
| Total assets | $252.2M | $211.7M |
| Deposits / shares | $229.0M | $196.9M |
| Capital ratio | 9.86% (stronger) | 8.42% |
| Problem loans | 0.06% (stronger) | 0.30% |
| Net charge-offs | -0.17% (stronger) | 0.00% |
| Return on assets | 1.13% (stronger) | 0.83% |
| Loans ÷ deposits | 72.3% | 59.1% (stronger) |
| Uninsured deposits | 17.8% (stronger) | 26.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Lafayette State Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lafayette State Bank leads on 6 and Madison County Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.