Side-by-side · Q2 2026 data
First State Bank and Trust vs American National Bank of Minnesota
Metric by metric
| Measure | First State Bank and Trust | American National Bank of Minnesota |
|---|---|---|
| TellerScore | 73 (stronger) | 65 |
| Capital cushion | 39 | 58 (stronger) |
| Loan quality | 99 (stronger) | 67 |
| Earnings | 91 (stronger) | 74 |
| Funding & liquidity | 56 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 53rd | 29th |
| Total assets | $499.0M | $473.2M |
| Deposits / shares | $455.4M | $347.6M |
| Capital ratio | 8.91% | 10.85% (stronger) |
| Problem loans | 0.03% (stronger) | 1.00% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.77% (stronger) | 1.35% |
| Loans ÷ deposits | 71.6% (stronger) | 109.7% |
| Uninsured deposits | 44.3% | 13.1% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 3.4% |
First State Bank and Trust has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 5 and American National Bank of Minnesota on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.