Side-by-side · Q2 2026 data
The First National Bank of Monterey vs Lake City Bank
Metric by metric
| Measure | The First National Bank of Monterey | Lake City Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 81 (stronger) | 69 |
| Loan quality | 88 | 88 |
| Earnings | 64 | 86 (stronger) |
| Funding & liquidity | 83 (stronger) | 26 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 80th | 70th |
| Total assets | $430.5M | $7.2B |
| Deposits / shares | $379.8M | $6.3B |
| Capital ratio | 13.13% (stronger) | 11.89% |
| Problem loans | 0.37% | 0.36% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.10% | 1.66% (stronger) |
| Loans ÷ deposits | 64.8% (stronger) | 86.9% |
| Uninsured deposits | 25.7% (stronger) | 57.6% |
| Offices | 4 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.4% |
The First National Bank of Monterey has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Monterey leads on 5 and Lake City Bank on 2. 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.