Side-by-side · Q2 2026 data
Bank of Alma vs Minnesota First Credit and Savings, Incorporated
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Bank of Alma | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 68 | 96 (stronger) |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 44 | 54 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 84th | 56th |
| Total assets | $339.5M | $29.9M |
| Deposits / shares | $166.3M | $24.9M |
| Capital ratio | 50.77% (stronger) | 14.16% |
| Problem loans | 0.97% | 0.12% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 3.16% (stronger) | 0.31% |
| Loans ÷ deposits | 119.5% | 106.4% (stronger) |
| Uninsured deposits | 20.3% | 0.2% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Alma has the higher TellerScore (83 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Bank of Alma leads on 3 and Minnesota First Credit and Savings, Incorporated on 3. 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.