Side-by-side · Q2 2026 data
Lake City Bank vs German American Bank
Metric by metric
| Measure | Lake City Bank | German American Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 69 (stronger) | 62 |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 86 | 91 (stronger) |
| Funding & liquidity | 26 | 46 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 70th | 77th |
| Total assets | $7.2B | $8.4B |
| Deposits / shares | $6.3B | $7.1B |
| Capital ratio | 11.89% (stronger) | 11.19% |
| Problem loans | 0.36% (stronger) | 0.45% |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.66% | 1.76% (stronger) |
| Loans ÷ deposits | 86.9% | 83.0% (stronger) |
| Uninsured deposits | 57.6% | 42.8% (stronger) |
| Offices | 55 | 89 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 17.2% |
German American Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake City Bank leads on 2 and German American Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.