Side-by-side · Q2 2026 data
The First National Bank of Milaca vs Lake Central Bank
Metric by metric
| Measure | The First National Bank of Milaca | Lake Central Bank |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 58 | 62 (stronger) |
| Loan quality | 88 | 99 (stronger) |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 81 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 80th | 90th |
| Total assets | $293.2M | $291.3M |
| Deposits / shares | $259.8M | $257.3M |
| Capital ratio | 10.77% | 11.15% (stronger) |
| Problem loans | 0.37% | 0.04% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.95% | 2.39% (stronger) |
| Loans ÷ deposits | 75.5% | 71.4% (stronger) |
| Uninsured deposits | 14.0% (stronger) | 22.0% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | 4.5% |
Lake Central Bank has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Milaca leads on 2 and Lake Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.