Side-by-side · Q2 2026 data
Lake Ridge Bank vs First Business Bank
Metric by metric
| Measure | Lake Ridge Bank | First Business Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 63 |
| Capital cushion | 50 | 54 (stronger) |
| Loan quality | 89 (stronger) | 65 |
| Earnings | 62 | 77 (stronger) |
| Funding & liquidity | 57 (stronger) | 42 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 49th | 30th |
| Total assets | $3.4B | $4.4B |
| Deposits / shares | $2.8B | $3.6B |
| Capital ratio | 9.95% | 10.37% (stronger) |
| Problem loans | 0.34% (stronger) | 1.06% |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 1.05% | 1.41% (stronger) |
| Loans ÷ deposits | 87.0% (stronger) | 98.7% |
| Uninsured deposits | 29.4% (stronger) | 33.2% |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 4.9% |
Lake Ridge Bank has the higher TellerScore (68 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Lake Ridge Bank leads on 5 and First Business Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.