Side-by-side · Q2 2026 data
Stearns Bank National Association vs Lake Central Bank
Metric by metric
| Measure | Stearns Bank National Association | Lake Central Bank |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 12 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 49 | 81 (stronger) |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 44th | 90th |
| Total assets | $3.3B | $291.3M |
| Deposits / shares | $2.4B | $257.3M |
| Capital ratio | 15.42% (stronger) | 11.15% |
| Problem loans | 2.65% | 0.04% (stronger) |
| Net charge-offs | 2.05% | 0.00% (stronger) |
| Return on assets | 2.09% | 2.39% (stronger) |
| Loans ÷ deposits | 114.8% | 71.4% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 22.0% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Lake Central Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Stearns Bank National Association leads on 2 and Lake Central Bank on 5. 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.