Side-by-side · Q2 2026 data
First State Bank of Golva vs BMO Bank National Association
Metric by metric
| Measure | First State Bank of Golva | BMO Bank National Association |
|---|---|---|
| TellerScore | 55 | 58 (stronger) |
| Capital cushion | 40 | 63 (stronger) |
| Loan quality | 16 | 69 (stronger) |
| Earnings | 100 (stronger) | 26 |
| Funding & liquidity | 82 (stronger) | 46 |
| Problem-loan coverage | 66 | 93 (stronger) |
| Peer percentile | 11th | 21st |
| Total assets | $123.5M | $255.0B |
| Deposits / shares | $110.1M | $194.1B |
| Capital ratio | 9.01% | 11.29% (stronger) |
| Problem loans | 2.51% | 0.92% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 2.29% (stronger) | 0.15% |
| Loans ÷ deposits | 47.9% (stronger) | 71.8% |
| Uninsured deposits | 31.6% (stronger) | 52.7% |
| Offices | 3 | 957 |
| CFPB complaints (3 yrs) | — | 3,934 |
| Complaints per $1B deposits | — | 20.3 |
| Mortgage denial rate (HMDA) | — | 40.5% |
BMO Bank National Association has the higher TellerScore (58 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Golva leads on 4 and BMO Bank National Association 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.
Where both have branches
- Beach, ND