Side-by-side · Q2 2026 data
Patriots Bank vs First Bank of the Lake
Metric by metric
| Measure | Patriots Bank | First Bank of the Lake |
|---|---|---|
| TellerScore | 77 (stronger) | 26 |
| Capital cushion | 42 (stronger) | 21 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 92 (stronger) | 53 |
| Funding & liquidity | 73 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 13 |
| Peer percentile | 68th | 0th |
| Total assets | $268.8M | $2.3B |
| Deposits / shares | $233.4M | $2.0B |
| Capital ratio | 9.20% (stronger) | 7.08% |
| Problem loans | 0.00% (stronger) | 3.70% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 1.81% (stronger) | 0.83% |
| Loans ÷ deposits | 86.8% (stronger) | 106.6% |
| Uninsured deposits | 12.9% | 8.4% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Patriots Bank has the higher TellerScore (77 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Patriots Bank leads on 6 and First Bank of the Lake on 1. 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.