Side-by-side · Q2 2026 data
Lake Central Bank vs Minnesota Lakes Bank
Metric by metric
| Measure | Lake Central Bank | Minnesota Lakes Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 53 |
| Capital cushion | 62 (stronger) | 57 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 81 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 90th | 9th |
| Total assets | $291.3M | $129.8M |
| Deposits / shares | $257.3M | $113.5M |
| Capital ratio | 11.15% (stronger) | 10.69% |
| Problem loans | 0.04% (stronger) | 3.18% |
| Net charge-offs | 0.00% | -0.18% (stronger) |
| Return on assets | 2.39% (stronger) | 1.43% |
| Loans ÷ deposits | 71.4% | 65.6% (stronger) |
| Uninsured deposits | 22.0% | 16.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Lake Central Bank has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lake Central Bank leads on 4 and Minnesota Lakes Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.