Side-by-side · Q2 2026 data
First Citizens Bank vs First State Bank Minnesota
Metric by metric
| Measure | First Citizens Bank | First State Bank Minnesota |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 70 (stronger) | 64 |
| Loan quality | 95 (stronger) | 73 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 43 | 67 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 91st | 64th |
| Total assets | $1.8B | $105.9M |
| Deposits / shares | $1.6B | $92.5M |
| Capital ratio | 11.96% (stronger) | 11.43% |
| Problem loans | 0.16% (stronger) | 0.80% |
| Net charge-offs | 0.13% | -0.03% (stronger) |
| Return on assets | 2.09% (stronger) | 1.94% |
| Loans ÷ deposits | 83.2% (stronger) | 92.7% |
| Uninsured deposits | 45.6% | 15.8% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 5 and First State Bank Minnesota on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.