Side-by-side · Q2 2026 data
Lake Elmo Bank vs Eagle Rock Bank
Metric by metric
| Measure | Lake Elmo Bank | Eagle Rock Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 66 | 88 (stronger) |
| Loan quality | 72 (stronger) | 69 |
| Earnings | 91 (stronger) | 67 |
| Funding & liquidity | 65 (stronger) | 43 |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 57th | 50th |
| Total assets | $529.7M | $508.2M |
| Deposits / shares | $462.6M | $420.8M |
| Capital ratio | 11.62% | 13.80% (stronger) |
| Problem loans | 0.84% (stronger) | 0.92% |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 1.79% (stronger) | 1.17% |
| Loans ÷ deposits | 91.3% (stronger) | 102.4% |
| Uninsured deposits | 18.6% (stronger) | 28.3% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 0.0% |
Lake Elmo Bank has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lake Elmo Bank leads on 5 and Eagle Rock Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.