Side-by-side · Q2 2026 data
First National Bank Minnesota vs Janesville State Bank
Metric by metric
| Measure | First National Bank Minnesota | Janesville State Bank |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 48 | 64 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 74 | 82 (stronger) |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 26th | 68th |
| Total assets | $437.8M | $98.8M |
| Deposits / shares | $373.1M | $84.1M |
| Capital ratio | 9.81% | 11.44% (stronger) |
| Problem loans | 1.12% | 0.00% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.35% | 1.54% (stronger) |
| Loans ÷ deposits | 87.0% | 82.7% (stronger) |
| Uninsured deposits | 16.5% (stronger) | 23.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
Janesville State Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Minnesota leads on 1 and Janesville State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.