Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs Independent Bank
Metric by metric
| Measure | Lake-Osceola State Bank | Independent Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 63 |
| Capital cushion | 75 (stronger) | 47 |
| Loan quality | 92 (stronger) | 67 |
| Earnings | 84 (stronger) | 74 |
| Funding & liquidity | 87 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 88th | 30th |
| Total assets | $469.4M | $5.7B |
| Deposits / shares | $403.4M | $4.9B |
| Capital ratio | 12.53% (stronger) | 9.67% |
| Problem loans | 0.24% (stronger) | 0.99% |
| Net charge-offs | 0.16% | 0.03% (stronger) |
| Return on assets | 1.60% (stronger) | 1.34% |
| Loans ÷ deposits | 62.4% (stronger) | 88.6% |
| Uninsured deposits | 24.8% | 24.4% (stronger) |
| Offices | 12 | 57 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.6% |
Lake-Osceola State Bank has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 5 and Independent Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.