Side-by-side · Q2 2026 data
Lamont Bank of St. John vs Sound Banking Company
Metric by metric
| Measure | Lamont Bank of St. John | Sound Banking Company |
|---|---|---|
| TellerScore | 14 | 82 (stronger) |
| Capital cushion | 0 | 71 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 95 (stronger) | 39 |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 0th | 70th |
| Total assets | $51.1M | $45.2M |
| Deposits / shares | $49.7M | $39.6M |
| Capital ratio | 2.95% | 12.08% (stronger) |
| Problem loans | 49.79% | 0.00% (stronger) |
| Net charge-offs | 4.26% | 0.07% (stronger) |
| Return on assets | -6.23% | 2.52% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 96.6% |
| Uninsured deposits | 8.7% (stronger) | 37.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sound Banking Company has the higher TellerScore (82 vs 14). On the 7 directional measures above (where higher or lower is clearly better), Lamont Bank of St. John leads on 2 and Sound Banking Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.