Side-by-side · Q2 2026 data
U.S. Bank National Association vs Lamont Bank of St. John
Metric by metric
| Measure | U.S. Bank National Association | Lamont Bank of St. John |
|---|---|---|
| TellerScore | 55 (stronger) | 14 |
| Capital cushion | 45 (stronger) | 0 |
| Loan quality | 52 (stronger) | 0 |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 44 | 95 (stronger) |
| Problem-loan coverage | 84 (stronger) | 0 |
| Peer percentile | 6th | 0th |
| Total assets | $705.6B | $51.1M |
| Deposits / shares | $541.9B | $49.7M |
| Capital ratio | 9.49% (stronger) | 2.95% |
| Problem loans | 1.45% (stronger) | 49.79% |
| Net charge-offs | 0.54% (stronger) | 4.26% |
| Return on assets | 1.23% (stronger) | -6.23% |
| Loans ÷ deposits | 74.9% | 65.6% (stronger) |
| Uninsured deposits | 52.2% | 8.7% (stronger) |
| Offices | 2,076 | 1 |
| CFPB complaints (3 yrs) | 16,488 | — |
| Complaints per $1B deposits | 30.4 | — |
| Mortgage denial rate (HMDA) | 39.5% | — |
U.S. Bank National Association has the higher TellerScore (55 vs 14). On the 7 directional measures above (where higher or lower is clearly better), U.S. Bank National Association leads on 5 and Lamont Bank of St. John 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.