Side-by-side · Q2 2026 data
LNB Community Bank vs Community State Bank
Metric by metric
| Measure | LNB Community Bank | Community State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 61 |
| Capital cushion | 44 | 44 |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 86 (stronger) | 63 |
| Funding & liquidity | 42 (stronger) | 32 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 40th | 20th |
| Total assets | $181.0M | $161.2M |
| Deposits / shares | $161.3M | $135.1M |
| Capital ratio | 9.36% | 9.41% (stronger) |
| Problem loans | 0.23% (stronger) | 0.44% |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 1.64% (stronger) | 1.08% |
| Loans ÷ deposits | 85.4% (stronger) | 97.3% |
| Uninsured deposits | 44.6% | 42.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
LNB Community Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), LNB Community Bank leads on 4 and Community State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.