Side-by-side · Q2 2026 data
Grand Marais State Bank vs ESB Bank
Metric by metric
| Measure | Grand Marais State Bank | ESB Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 34 | 42 (stronger) |
| Loan quality | 97 (stronger) | 71 |
| Earnings | 88 (stronger) | 82 |
| Funding & liquidity | 87 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 61st | 29th |
| Total assets | $207.2M | $208.9M |
| Deposits / shares | $189.6M | $179.1M |
| Capital ratio | 8.40% | 9.20% (stronger) |
| Problem loans | 0.10% (stronger) | 0.87% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.71% (stronger) | 1.54% |
| Loans ÷ deposits | 68.4% (stronger) | 90.7% |
| Uninsured deposits | 19.3% | 13.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Marais State Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Grand Marais State Bank leads on 4 and ESB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.