Side-by-side · Q2 2026 data
First National Bank North vs Pine River State Bank
Metric by metric
| Measure | First National Bank North | Pine River State Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 64 |
| Capital cushion | 71 (stronger) | 35 |
| Loan quality | 92 (stronger) | 75 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 74 | 98 (stronger) |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 88th | 26th |
| Total assets | $864.3M | $185.3M |
| Deposits / shares | $756.3M | $169.8M |
| Capital ratio | 12.14% (stronger) | 8.48% |
| Problem loans | 0.23% (stronger) | 0.74% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 2.54% (stronger) | 0.92% |
| Loans ÷ deposits | 84.1% | 62.2% (stronger) |
| Uninsured deposits | 17.1% | 13.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.2% |
First National Bank North has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank North leads on 4 and Pine River State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.