Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Pine River State Bank
Metric by metric
| Measure | Frandsen Bank & Trust | Pine River State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 50 (stronger) | 35 |
| Loan quality | 76 (stronger) | 75 |
| Earnings | 93 (stronger) | 57 |
| Funding & liquidity | 62 | 98 (stronger) |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 63rd | 26th |
| Total assets | $3.7B | $185.3M |
| Deposits / shares | $3.1B | $169.8M |
| Capital ratio | 10.02% (stronger) | 8.48% |
| Problem loans | 0.71% (stronger) | 0.74% |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.82% (stronger) | 0.92% |
| Loans ÷ deposits | 79.5% | 62.2% (stronger) |
| Uninsured deposits | 31.8% | 13.3% (stronger) |
| Offices | 39 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 19.2% |
Frandsen Bank & Trust has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 4 and Pine River State 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.