Side-by-side · Q2 2026 data
First Bank Elk River vs North Star Bank
Metric by metric
| Measure | First Bank Elk River | North Star Bank |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 57 | 60 (stronger) |
| Loan quality | 82 (stronger) | 69 |
| Earnings | 43 | 74 (stronger) |
| Funding & liquidity | 55 | 81 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 26th | 47th |
| Total assets | $369.2M | $378.7M |
| Deposits / shares | $269.9M | $340.8M |
| Capital ratio | 10.68% | 11.00% (stronger) |
| Problem loans | 0.53% (stronger) | 0.94% |
| Net charge-offs | -0.00% (stronger) | 0.86% |
| Return on assets | 0.57% | 1.35% (stronger) |
| Loans ÷ deposits | 100.8% | 71.3% (stronger) |
| Uninsured deposits | 18.5% (stronger) | 21.9% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
North Star Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank Elk River leads on 3 and North Star Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.