Side-by-side · Q2 2026 data
Lake Ridge Bank vs Town Bank, National Association
Metric by metric
| Measure | Lake Ridge Bank | Town Bank, National Association |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 50 (stronger) | 47 |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 62 | 77 (stronger) |
| Funding & liquidity | 57 (stronger) | 51 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 49th | 58th |
| Total assets | $3.4B | $4.7B |
| Deposits / shares | $2.8B | $3.8B |
| Capital ratio | 9.95% (stronger) | 9.75% |
| Problem loans | 0.34% | 0.22% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.05% | 1.42% (stronger) |
| Loans ÷ deposits | 87.0% (stronger) | 91.7% |
| Uninsured deposits | 29.4% (stronger) | 31.0% |
| Offices | 19 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 5.7% |
Town Bank, National Association has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Lake Ridge Bank leads on 4 and Town Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.