Side-by-side · Q2 2026 data
Lake Shore Bank vs BTG Pactual Bank, National Association
Metric by metric
| Measure | Lake Shore Bank | BTG Pactual Bank, National Association |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 65 (stronger) | 15 |
| Funding & liquidity | 67 (stronger) | 22 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 43rd |
| Total assets | $735.9M | $978.3M |
| Deposits / shares | $599.1M | $460.4M |
| Capital ratio | 17.43% | 48.10% (stronger) |
| Problem loans | 0.25% | 0.18% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 1.13% (stronger) | -0.13% |
| Loans ÷ deposits | 93.2% (stronger) | 96.1% |
| Uninsured deposits | 11.6% (stronger) | 52.9% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Lake Shore Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 5 and BTG Pactual Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.