Side-by-side · Q2 2026 data
Grand Marais State Bank vs Wadena State Bank
Metric by metric
| Measure | Grand Marais State Bank | Wadena State Bank |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 34 | 48 (stronger) |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 88 | 94 (stronger) |
| Funding & liquidity | 87 | 91 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 61st | 80th |
| Total assets | $207.2M | $206.6M |
| Deposits / shares | $189.6M | $187.9M |
| Capital ratio | 8.40% | 9.84% (stronger) |
| Problem loans | 0.10% | 0.04% (stronger) |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 1.71% | 1.85% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 69.4% |
| Uninsured deposits | 19.3% | 13.1% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wadena State Bank has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Grand Marais State Bank leads on 1 and Wadena State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.