Side-by-side · Q2 2026 data
ESB Bank vs Minnstar Bank National Association
Metric by metric
| Measure | ESB Bank | Minnstar Bank National Association |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 42 | 54 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 82 (stronger) | 63 |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 29th | 43rd |
| Total assets | $208.9M | $204.0M |
| Deposits / shares | $179.1M | $180.3M |
| Capital ratio | 9.20% | 10.38% (stronger) |
| Problem loans | 0.87% | 0.36% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.54% (stronger) | 1.07% |
| Loans ÷ deposits | 90.7% (stronger) | 94.2% |
| Uninsured deposits | 13.8% | 10.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Minnstar Bank National Association has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), ESB Bank leads on 2 and Minnstar Bank National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.