Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Grand River Bank
Metric by metric
| Measure | Lake-Osceola State Bank | Grand River Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 65 |
| Capital cushion | 75 (stronger) | 52 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 84 (stronger) | 45 |
| Funding & liquidity | 87 (stronger) | 49 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 88th | 29th |
| Total assets | $469.4M | $507.3M |
| Deposits / shares | $403.4M | $446.1M |
| Capital ratio | 12.53% (stronger) | 10.19% |
| Problem loans | 0.24% | 0.17% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.60% (stronger) | 0.62% |
| Loans ÷ deposits | 62.4% (stronger) | 95.0% |
| Uninsured deposits | 24.8% (stronger) | 29.4% |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 5 and Grand River Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.