Side-by-side · Q2 2026 data
Atkins Savings Bank & Trust vs St. Ansgar State Bank
Metric by metric
| Measure | Atkins Savings Bank & Trust | St. Ansgar State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 69 (stronger) | 47 |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 80 (stronger) | 65 |
| Funding & liquidity | 77 (stronger) | 59 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 84th | 43rd |
| Total assets | $172.2M | $182.0M |
| Deposits / shares | $146.2M | $136.2M |
| Capital ratio | 11.91% (stronger) | 9.74% |
| Problem loans | 0.05% (stronger) | 0.11% |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.13% |
| Loans ÷ deposits | 83.1% (stronger) | 90.1% |
| Uninsured deposits | 14.9% (stronger) | 24.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Atkins Savings Bank & Trust has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Atkins Savings Bank & Trust leads on 6 and St. Ansgar State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.