Side-by-side · Q2 2026 data
Perennial Bank vs Lake Central Bank
Metric by metric
| Measure | Perennial Bank | Lake Central Bank |
|---|---|---|
| TellerScore | 63 | 86 (stronger) |
| Capital cushion | 45 | 62 (stronger) |
| Loan quality | 55 | 99 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 24th | 90th |
| Total assets | $158.1M | $291.3M |
| Deposits / shares | $144.6M | $257.3M |
| Capital ratio | 9.48% | 11.15% (stronger) |
| Problem loans | 1.36% | 0.04% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.00% | 2.39% (stronger) |
| Loans ÷ deposits | 44.6% (stronger) | 71.4% |
| Uninsured deposits | 11.1% (stronger) | 22.0% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Lake Central Bank has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Perennial Bank leads on 2 and Lake Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.