Side-by-side · Q2 2026 data
Lake Central Bank vs Liberty Bank Minnesota
Metric by metric
| Measure | Lake Central Bank | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 86 | 86 |
| Capital cushion | 62 | 79 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 90th |
| Total assets | $291.3M | $290.2M |
| Deposits / shares | $257.3M | $262.9M |
| Capital ratio | 11.15% | 12.90% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.39% (stronger) | 1.04% |
| Loans ÷ deposits | 71.4% | 51.7% (stronger) |
| Uninsured deposits | 22.0% | 9.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | 3.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Lake Central Bank leads on 2 and Liberty Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.