Side-by-side · Q2 2026 data
Lamar Bank and Trust Company vs Four States Bank
Metric by metric
| Measure | Lamar Bank and Trust Company | Four States Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 92 (stronger) | 21 |
| Funding & liquidity | 70 (stronger) | 44 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 75th | 64th |
| Total assets | $269.0M | $142.1M |
| Deposits / shares | $235.1M | $114.3M |
| Capital ratio | 10.20% | 15.85% (stronger) |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.80% (stronger) | 0.03% |
| Loans ÷ deposits | 86.4% (stronger) | 89.5% |
| Uninsured deposits | 18.7% (stronger) | 39.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lamar Bank and Trust Company has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Lamar Bank and Trust Company leads on 4 and Four States Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.