Side-by-side · Q2 2026 data
The Lyon County State Bank vs ESB Financial
Metric by metric
| Measure | The Lyon County State Bank | ESB Financial |
|---|---|---|
| TellerScore | 77 (stronger) | 59 |
| Capital cushion | 46 (stronger) | 41 |
| Loan quality | 93 (stronger) | 47 |
| Earnings | 88 | 88 |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 75 |
| Peer percentile | 68th | 17th |
| Total assets | $212.5M | $381.3M |
| Deposits / shares | $183.4M | $335.9M |
| Capital ratio | 9.61% (stronger) | 9.07% |
| Problem loans | 0.20% (stronger) | 1.58% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.70% (stronger) | 1.69% |
| Loans ÷ deposits | 79.0% (stronger) | 80.2% |
| Uninsured deposits | 8.8% (stronger) | 26.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
The Lyon County State Bank has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Lyon County State Bank leads on 7 and ESB Financial on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.