Side-by-side · Q2 2026 data
Profinium, Inc. vs Lake Elmo Bank
Metric by metric
| Measure | Profinium, Inc. | Lake Elmo Bank |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 52 | 66 (stronger) |
| Loan quality | 96 (stronger) | 72 |
| Earnings | 57 | 91 (stronger) |
| Funding & liquidity | 73 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 50th | 57th |
| Total assets | $533.1M | $529.7M |
| Deposits / shares | $455.1M | $462.6M |
| Capital ratio | 10.17% | 11.62% (stronger) |
| Problem loans | 0.13% (stronger) | 0.84% |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 0.92% | 1.79% (stronger) |
| Loans ÷ deposits | 85.5% (stronger) | 91.3% |
| Uninsured deposits | 16.5% (stronger) | 18.6% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Lake Elmo Bank has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Profinium, Inc. leads on 4 and Lake Elmo Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.