Side-by-side · Q2 2026 data
Lumbee Guaranty Bank vs KS Bank, Inc.
Metric by metric
| Measure | Lumbee Guaranty Bank | KS Bank, Inc. |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 57 (stronger) | 40 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 53 | 73 (stronger) |
| Funding & liquidity | 98 (stronger) | 56 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 57th | 40th |
| Total assets | $583.5M | $874.5M |
| Deposits / shares | $490.4M | $785.2M |
| Capital ratio | 10.71% (stronger) | 9.01% |
| Problem loans | 0.37% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.83% | 1.33% (stronger) |
| Loans ÷ deposits | 49.1% (stronger) | 91.0% |
| Uninsured deposits | 17.4% (stronger) | 27.3% |
| Offices | 13 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Lumbee Guaranty Bank has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Lumbee Guaranty Bank leads on 5 and KS Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.