Side-by-side · Q2 2026 data
First State Bank of St. Peter vs Crossroads Bank
Metric by metric
| Measure | First State Bank of St. Peter | Crossroads Bank |
|---|---|---|
| TellerScore | 83 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 43 | 98 (stronger) |
| Earnings | 88 (stronger) | 76 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 73rd | 98th |
| Total assets | $30.1M | $234.7M |
| Deposits / shares | $24.6M | $195.0M |
| Capital ratio | 18.52% (stronger) | 15.97% |
| Problem loans | 1.71% | 0.06% (stronger) |
| Net charge-offs | 0.61% | 0.00% (stronger) |
| Return on assets | 1.71% (stronger) | 1.39% |
| Loans ÷ deposits | 30.8% (stronger) | 71.9% |
| Uninsured deposits | 3.5% (stronger) | 10.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Crossroads Bank has the higher TellerScore (93 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of St. Peter leads on 4 and Crossroads 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.