Side-by-side · Q2 2026 data
Lawrence Bank vs SmartBank
Metric by metric
| Measure | Lawrence Bank | SmartBank |
|---|---|---|
| TellerScore | 69 (stronger) | 66 |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 62 | 65 (stronger) |
| Funding & liquidity | 63 (stronger) | 38 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 53rd | 40th |
| Total assets | $3.0B | $6.1B |
| Deposits / shares | $2.6B | $5.4B |
| Capital ratio | 9.78% | 9.86% (stronger) |
| Problem loans | 0.17% (stronger) | 0.24% |
| Net charge-offs | 0.12% | 0.03% (stronger) |
| Return on assets | 1.04% | 1.12% (stronger) |
| Loans ÷ deposits | 85.6% (stronger) | 86.2% |
| Uninsured deposits | 25.9% (stronger) | 47.9% |
| Offices | 28 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | 12.9% |
Lawrence Bank has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lawrence Bank leads on 4 and SmartBank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.