Side-by-side · Q2 2026 data
Citizens Bank Minnesota vs St. Martin National Bank
Metric by metric
| Measure | Citizens Bank Minnesota | St. Martin National Bank |
|---|---|---|
| TellerScore | 70 | 100 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 43rd | 100th |
| Total assets | $596.0M | $29.4M |
| Deposits / shares | $498.7M | $25.0M |
| Capital ratio | 9.33% | 15.51% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.85% | 2.42% (stronger) |
| Loans ÷ deposits | 80.5% | 52.6% (stronger) |
| Uninsured deposits | 16.9% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
St. Martin National Bank has the higher TellerScore (100 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank Minnesota leads on 1 and St. Martin National Bank on 6. 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.