Side-by-side · Q2 2026 data
ESB Bank vs Wadena State Bank
Metric by metric
| Measure | ESB Bank | Wadena State Bank |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 42 | 48 (stronger) |
| Loan quality | 71 | 99 (stronger) |
| Earnings | 82 | 94 (stronger) |
| Funding & liquidity | 70 | 91 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 29th | 80th |
| Total assets | $208.9M | $206.6M |
| Deposits / shares | $179.1M | $187.9M |
| Capital ratio | 9.20% | 9.84% (stronger) |
| Problem loans | 0.87% | 0.04% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.54% | 1.85% (stronger) |
| Loans ÷ deposits | 90.7% | 69.4% (stronger) |
| Uninsured deposits | 13.8% | 13.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wadena State Bank has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), ESB Bank leads on 0 and Wadena State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.