Side-by-side · Q2 2026 data
Lake Elmo Bank vs Luminate Bank
Metric by metric
| Measure | Lake Elmo Bank | Luminate Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 47 |
| Capital cushion | 66 (stronger) | 54 |
| Loan quality | 72 (stronger) | 22 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 65 (stronger) | 1 |
| Problem-loan coverage | 86 (stronger) | 56 |
| Peer percentile | 57th | 5th |
| Total assets | $529.7M | $554.5M |
| Deposits / shares | $462.6M | $412.7M |
| Capital ratio | 11.62% (stronger) | 10.40% |
| Problem loans | 0.84% (stronger) | 2.33% |
| Net charge-offs | 0.14% (stronger) | 0.53% |
| Return on assets | 1.79% | 3.07% (stronger) |
| Loans ÷ deposits | 91.3% (stronger) | 108.8% |
| Uninsured deposits | 18.6% (stronger) | 63.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 4.3% |
Lake Elmo Bank has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Lake Elmo Bank leads on 6 and Luminate Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.