Side-by-side · Q2 2026 data
First State Bank of Swanville vs Minnesota First Credit and Savings, Incorporated
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Swanville | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 28 | 96 (stronger) |
| Earnings | 48 (stronger) | 32 |
| Funding & liquidity | 83 (stronger) | 54 |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 33rd | 56th |
| Total assets | $23.8M | $29.9M |
| Deposits / shares | $19.2M | $24.9M |
| Capital ratio | 18.14% (stronger) | 14.16% |
| Problem loans | 2.16% | 0.12% (stronger) |
| Net charge-offs | 2.15% | 0.00% (stronger) |
| Return on assets | 0.71% (stronger) | 0.31% |
| Loans ÷ deposits | 77.2% (stronger) | 106.4% |
| Uninsured deposits | 9.8% | 0.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minnesota First Credit and Savings, Incorporated has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Swanville leads on 3 and Minnesota First Credit and Savings, Incorporated on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.