Side-by-side · Q2 2026 data
The First National Bank of Lacon vs Clay County State Bank
Metric by metric
| Measure | The First National Bank of Lacon | Clay County State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 68 | 82 (stronger) |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 67 | 80 (stronger) |
| Funding & liquidity | 69 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 70 |
| Peer percentile | 72nd | 17th |
| Total assets | $103.7M | $104.3M |
| Deposits / shares | $92.7M | $91.7M |
| Capital ratio | 11.78% | 13.18% (stronger) |
| Problem loans | 0.14% (stronger) | 3.82% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.18% | 1.50% (stronger) |
| Loans ÷ deposits | 71.1% | 51.1% (stronger) |
| Uninsured deposits | 33.4% (stronger) | 36.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Lacon has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Lacon leads on 3 and Clay County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.