Side-by-side · Q2 2026 data
The Gerber State Bank vs The First National Bank of Lacon
Metric by metric
| Measure | The Gerber State Bank | The First National Bank of Lacon |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 73 (stronger) | 68 |
| Loan quality | 56 | 95 (stronger) |
| Earnings | 66 | 67 (stronger) |
| Funding & liquidity | 90 (stronger) | 69 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 47th | 72nd |
| Total assets | $100.8M | $103.7M |
| Deposits / shares | $78.1M | $92.7M |
| Capital ratio | 12.31% (stronger) | 11.78% |
| Problem loans | 1.31% | 0.14% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.06% |
| Return on assets | 1.14% | 1.18% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 71.1% |
| Uninsured deposits | 24.0% (stronger) | 33.4% |
| Offices | 2 | 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 71). On the 7 directional measures above (where higher or lower is clearly better), The Gerber State Bank leads on 4 and The First National Bank of Lacon on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.