Side-by-side · Q2 2026 data
Modern Bank, National Association vs Lake Shore Bank
Metric by metric
| Measure | Modern Bank, National Association | Lake Shore Bank |
|---|---|---|
| TellerScore | 30 | 86 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 25 | 65 (stronger) |
| Funding & liquidity | 55 | 67 (stronger) |
| Problem-loan coverage | 27 | 98 (stronger) |
| Peer percentile | 1st | 90th |
| Total assets | $648.5M | $735.9M |
| Deposits / shares | $480.4M | $599.1M |
| Capital ratio | 9.56% | 17.43% (stronger) |
| Problem loans | 5.60% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.13% | 1.13% (stronger) |
| Loans ÷ deposits | 99.8% | 93.2% (stronger) |
| Uninsured deposits | 19.6% | 11.6% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Modern Bank, National Association leads on 1 and Lake Shore Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.