Side-by-side · Q2 2026 data
First National Bank Minnesota vs Sterling State Bank
Metric by metric
| Measure | First National Bank Minnesota | Sterling State Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 59 |
| Capital cushion | 48 (stronger) | 35 |
| Loan quality | 63 | 84 (stronger) |
| Earnings | 74 (stronger) | 59 |
| Funding & liquidity | 72 (stronger) | 41 |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 26th | 17th |
| Total assets | $437.8M | $461.9M |
| Deposits / shares | $373.1M | $359.5M |
| Capital ratio | 9.81% (stronger) | 8.54% |
| Problem loans | 1.12% | 0.47% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.35% (stronger) | 0.98% |
| Loans ÷ deposits | 87.0% | 84.8% (stronger) |
| Uninsured deposits | 16.5% (stronger) | 46.2% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 10.7% |
First National Bank Minnesota has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Minnesota leads on 4 and Sterling State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.