Side-by-side · Q2 2026 data
Lincoln Savings Bank vs Chelsea Savings Bank
Metric by metric
| Measure | Lincoln Savings Bank | Chelsea Savings Bank |
|---|---|---|
| TellerScore | 27 | 93 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 0 | 90 (stronger) |
| Funding & liquidity | 72 | 84 (stronger) |
| Problem-loan coverage | 36 | 98 (stronger) |
| Peer percentile | 0th | 98th |
| Total assets | $1.7B | $196.9M |
| Deposits / shares | $1.5B | $173.8M |
| Capital ratio | 9.12% | 16.01% (stronger) |
| Problem loans | 4.32% | 0.24% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | -1.02% | 1.75% (stronger) |
| Loans ÷ deposits | 79.0% | 48.2% (stronger) |
| Uninsured deposits | 23.5% (stronger) | 29.8% |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 0.0% |
Chelsea Savings Bank has the higher TellerScore (93 vs 27). On the 7 directional measures above (where higher or lower is clearly better), Lincoln Savings Bank leads on 2 and Chelsea Savings 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.