Side-by-side · Q2 2026 data
First Independent Bank vs BMO Bank National Association
Metric by metric
| Measure | First Independent Bank | BMO Bank National Association |
|---|---|---|
| TellerScore | 76 (stronger) | 58 |
| Capital cushion | 49 | 63 (stronger) |
| Loan quality | 95 (stronger) | 69 |
| Earnings | 82 (stronger) | 26 |
| Funding & liquidity | 76 (stronger) | 46 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 64th | 21st |
| Total assets | $632.3M | $255.0B |
| Deposits / shares | $533.0M | $194.1B |
| Capital ratio | 9.87% | 11.29% (stronger) |
| Problem loans | 0.14% (stronger) | 0.92% |
| Net charge-offs | 0.02% (stronger) | 0.20% |
| Return on assets | 1.55% (stronger) | 0.15% |
| Loans ÷ deposits | 82.0% | 71.8% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 52.7% |
| Offices | 11 | 957 |
| CFPB complaints (3 yrs) | — | 3,939 |
| Complaints per $1B deposits | — | 20.3 |
| Mortgage denial rate (HMDA) | — | — |
First Independent Bank has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 5 and BMO Bank National Association 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.
Where both have branches
- Marshall, MN