Side-by-side · Q2 2026 data
Community First Bank vs The Citizens National Bank of Park Rapids
Bank
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Community First Bank | The Citizens National Bank of Park Rapids |
|---|---|---|
| TellerScore | 90 (stronger) | 72 |
| Capital cushion | 78 (stronger) | 67 |
| Loan quality | 91 (stronger) | 63 |
| Earnings | 94 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 57 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 95th | 50th |
| Total assets | $126.5M | $397.0M |
| Deposits / shares | $108.4M | $348.1M |
| Capital ratio | 12.84% (stronger) | 11.70% |
| Problem loans | 0.28% (stronger) | 1.10% |
| Net charge-offs | -0.18% (stronger) | 0.04% |
| Return on assets | 1.84% | 1.93% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 88.4% |
| Uninsured deposits | 14.4% (stronger) | 28.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Bank has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank leads on 6 and The Citizens National Bank of Park Rapids on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.