Side-by-side · Q2 2026 data
First National Bank vs Minnesota First Credit and Savings, Incorporated
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First National Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 33 | 96 (stronger) |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 68 (stronger) | 54 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 68th | 56th |
| Total assets | $477.8M | $29.9M |
| Deposits / shares | $380.1M | $24.9M |
| Capital ratio | 18.41% (stronger) | 14.16% |
| Problem loans | 2.01% | 0.12% (stronger) |
| Net charge-offs | 4.62% | 0.00% (stronger) |
| Return on assets | 2.18% (stronger) | 0.31% |
| Loans ÷ deposits | 90.6% (stronger) | 106.4% |
| Uninsured deposits | 16.2% | 0.2% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
First National Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 4 and Minnesota First Credit and Savings, Incorporated on 3. 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.