Side-by-side · Q2 2026 data
Lake Shore Bank vs Community Federal Savings Bank
Metric by metric
| Measure | Lake Shore Bank | Community Federal Savings Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 65 (stronger) | 0 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 90th | 9th |
| Total assets | $735.9M | $827.0M |
| Deposits / shares | $599.1M | $714.9M |
| Capital ratio | 17.43% (stronger) | 9.94% |
| Problem loans | 0.25% (stronger) | 0.43% |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 1.13% (stronger) | -0.65% |
| Loans ÷ deposits | 93.2% | 55.1% (stronger) |
| Uninsured deposits | 11.6% (stronger) | 92.1% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | 0.0% |
Lake Shore Bank has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 6 and Community Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.