Side-by-side · Q2 2026 data
First State Bank Minnesota vs Decorah Bank & Trust Company
Metric by metric
| Measure | First State Bank Minnesota | Decorah Bank & Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 64 (stronger) | 54 |
| Loan quality | 73 | 84 (stronger) |
| Earnings | 98 (stronger) | 87 |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 64th | 57th |
| Total assets | $105.9M | $794.1M |
| Deposits / shares | $92.5M | $694.7M |
| Capital ratio | 11.43% (stronger) | 10.41% |
| Problem loans | 0.80% | 0.49% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.09% |
| Return on assets | 1.94% (stronger) | 1.67% |
| Loans ÷ deposits | 92.7% | 82.0% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 27.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
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 5 and Decorah Bank & Trust Company on 2. 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.