Side-by-side · Q2 2026 data
First State Bank Minnesota vs CUSB Bank
Metric by metric
| Measure | First State Bank Minnesota | CUSB Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 64 | 73 (stronger) |
| Loan quality | 73 | 78 (stronger) |
| Earnings | 98 (stronger) | 81 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 64th | 57th |
| Total assets | $105.9M | $812.1M |
| Deposits / shares | $92.5M | $699.3M |
| Capital ratio | 11.43% | 12.27% (stronger) |
| Problem loans | 0.80% | 0.65% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.19% |
| Return on assets | 1.94% (stronger) | 1.53% |
| Loans ÷ deposits | 92.7% | 90.7% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 32.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
First State Bank Minnesota has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Minnesota leads on 4 and CUSB Bank 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.