Side-by-side · Q2 2026 data
Lake Central Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Lake Central Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 62 (stronger) | 51 |
| Loan quality | 99 (stronger) | 47 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 81 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 90th | 28th |
| Total assets | $291.3M | $81.7M |
| Deposits / shares | $257.3M | $73.8M |
| Capital ratio | 11.15% (stronger) | 10.06% |
| Problem loans | 0.04% (stronger) | 1.60% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.39% (stronger) | 1.60% |
| Loans ÷ deposits | 71.4% | 63.9% (stronger) |
| Uninsured deposits | 22.0% | 17.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Lake Central Bank has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lake Central Bank leads on 4 and State Bank of Cold Spring on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.