Side-by-side · Q2 2026 data
Lake Ridge Bank vs North Shore Bank
Metric by metric
| Measure | Lake Ridge Bank | North Shore Bank |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 50 | 94 (stronger) |
| Loan quality | 89 | 97 (stronger) |
| Earnings | 62 (stronger) | 61 |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 49th | 95th |
| Total assets | $3.4B | $2.6B |
| Deposits / shares | $2.8B | $2.2B |
| Capital ratio | 9.95% | 14.45% (stronger) |
| Problem loans | 0.34% | 0.10% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.05% (stronger) | 1.02% |
| Loans ÷ deposits | 87.0% (stronger) | 94.5% |
| Uninsured deposits | 29.4% | 11.8% (stronger) |
| Offices | 19 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 32.8% |
North Shore Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Lake Ridge Bank leads on 3 and North Shore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.