Side-by-side · Q2 2026 data
Lamont Bank of St. John vs Columbia Bank
Metric by metric
| Measure | Lamont Bank of St. John | Columbia Bank |
|---|---|---|
| TellerScore | 14 | 64 (stronger) |
| Capital cushion | 0 | 47 (stronger) |
| Loan quality | 0 | 81 (stronger) |
| Earnings | 0 | 70 (stronger) |
| Funding & liquidity | 95 (stronger) | 44 |
| Problem-loan coverage | 0 | 93 (stronger) |
| Peer percentile | 0th | 46th |
| Total assets | $51.1M | $65.4B |
| Deposits / shares | $49.7M | $52.2B |
| Capital ratio | 2.95% | 9.68% (stronger) |
| Problem loans | 49.79% | 0.57% (stronger) |
| Net charge-offs | 4.26% | 0.28% (stronger) |
| Return on assets | -6.23% | 1.25% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 89.6% |
| Uninsured deposits | 8.7% (stronger) | 39.5% |
| Offices | 1 | 349 |
| CFPB complaints (3 yrs) | — | 228 |
| Complaints per $1B deposits | — | 4.4 |
| Mortgage denial rate (HMDA) | — | 28.5% |
Columbia Bank has the higher TellerScore (64 vs 14). On the 7 directional measures above (where higher or lower is clearly better), Lamont Bank of St. John leads on 2 and Columbia Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.