Side-by-side · Q2 2026 data
First State Bank Minnesota vs First National Bank
Metric by metric
| Measure | First State Bank Minnesota | First National Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 73 (stronger) | 33 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 67 | 68 (stronger) |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 64th | 68th |
| Total assets | $105.9M | $477.8M |
| Deposits / shares | $92.5M | $380.1M |
| Capital ratio | 11.43% | 18.41% (stronger) |
| Problem loans | 0.80% (stronger) | 2.01% |
| Net charge-offs | -0.03% (stronger) | 4.62% |
| Return on assets | 1.94% | 2.18% (stronger) |
| Loans ÷ deposits | 92.7% | 90.6% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 16.2% |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.6% |
First National Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Minnesota leads on 3 and First National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Le Roy, MN
- Spring Valley, MN