Side-by-side · Q2 2026 data
Lake-Osceola State Bank vs West Shore Bank
Metric by metric
| Measure | Lake-Osceola State Bank | West Shore Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 56 |
| Capital cushion | 75 (stronger) | 48 |
| Loan quality | 92 (stronger) | 59 |
| Earnings | 84 (stronger) | 53 |
| Funding & liquidity | 87 (stronger) | 56 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 88th | 13th |
| Total assets | $469.4M | $833.6M |
| Deposits / shares | $403.4M | $720.2M |
| Capital ratio | 12.53% (stronger) | 9.85% |
| Problem loans | 0.24% (stronger) | 1.24% |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.60% (stronger) | 0.83% |
| Loans ÷ deposits | 62.4% (stronger) | 90.7% |
| Uninsured deposits | 24.8% (stronger) | 27.3% |
| Offices | 12 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lake-Osceola State Bank has the higher TellerScore (85 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Lake-Osceola State Bank leads on 6 and West Shore Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.