Side-by-side · Q2 2026 data
21st Century Bank vs Falcon National Bank
Metric by metric
| Measure | 21st Century Bank | Falcon National Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 57 (stronger) | 52 |
| Loan quality | 94 (stronger) | 65 |
| Earnings | 73 (stronger) | 68 |
| Funding & liquidity | 35 | 51 (stronger) |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 43rd | 22nd |
| Total assets | $894.8M | $872.3M |
| Deposits / shares | $658.8M | $768.7M |
| Capital ratio | 10.66% (stronger) | 10.24% |
| Problem loans | 0.19% (stronger) | 1.04% |
| Net charge-offs | 0.10% (stronger) | 0.61% |
| Return on assets | 1.31% (stronger) | 1.20% |
| Loans ÷ deposits | 101.2% | 95.2% (stronger) |
| Uninsured deposits | 37.1% | 27.8% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | 12.7% |
21st Century Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), 21st Century Bank leads on 5 and Falcon National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ham Lake, MN