Side-by-side · Q2 2026 data
The Peoples Community Bank vs Lake Ridge Bank
Metric by metric
| Measure | The Peoples Community Bank | Lake Ridge Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 78 (stronger) | 50 |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 83 (stronger) | 62 |
| Funding & liquidity | 88 (stronger) | 57 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 91st | 49th |
| Total assets | $388.8M | $3.4B |
| Deposits / shares | $339.7M | $2.8B |
| Capital ratio | 12.76% (stronger) | 9.95% |
| Problem loans | 0.14% (stronger) | 0.34% |
| Net charge-offs | -0.04% (stronger) | 0.01% |
| Return on assets | 1.58% (stronger) | 1.05% |
| Loans ÷ deposits | 72.7% (stronger) | 87.0% |
| Uninsured deposits | 12.1% (stronger) | 29.4% |
| Offices | 7 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 7.4% |
The Peoples Community Bank has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Community Bank leads on 7 and Lake Ridge Bank on 0. 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.