Side-by-side · Q2 2026 data
Community First Bank vs Wadena State Bank
Metric by metric
| Measure | Community First Bank | Wadena State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 78 (stronger) | 48 |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 94 | 94 |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 80th |
| Total assets | $126.5M | $206.6M |
| Deposits / shares | $108.4M | $187.9M |
| Capital ratio | 12.84% (stronger) | 9.84% |
| Problem loans | 0.28% | 0.04% (stronger) |
| Net charge-offs | -0.18% (stronger) | -0.03% |
| Return on assets | 1.84% | 1.85% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 69.4% |
| Uninsured deposits | 14.4% | 13.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank leads on 4 and Wadena State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.