Side-by-side · Q2 2026 data
First Bank Elk River vs The First National Bank of Milaca
Metric by metric
| Measure | First Bank Elk River | The First National Bank of Milaca |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 57 | 58 (stronger) |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 43 | 98 (stronger) |
| Funding & liquidity | 55 | 85 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $369.2M | $293.2M |
| Deposits / shares | $269.9M | $259.8M |
| Capital ratio | 10.68% | 10.77% (stronger) |
| Problem loans | 0.53% | 0.37% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.57% | 1.95% (stronger) |
| Loans ÷ deposits | 100.8% | 75.5% (stronger) |
| Uninsured deposits | 18.5% | 14.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 17.0% |
The First National Bank of Milaca has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank Elk River leads on 1 and The First National Bank of Milaca on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.