Side-by-side · Q2 2026 data
Kensington Bank vs First National Bank Minnesota
Metric by metric
| Measure | Kensington Bank | First National Bank Minnesota |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 81 (stronger) | 63 |
| Earnings | 72 | 74 (stronger) |
| Funding & liquidity | 68 | 72 (stronger) |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 40th | 26th |
| Total assets | $446.7M | $437.8M |
| Deposits / shares | $376.2M | $373.1M |
| Capital ratio | 9.90% (stronger) | 9.81% |
| Problem loans | 0.58% (stronger) | 1.12% |
| Net charge-offs | 0.45% | 0.19% (stronger) |
| Return on assets | 1.30% | 1.35% (stronger) |
| Loans ÷ deposits | 90.7% | 87.0% (stronger) |
| Uninsured deposits | 16.9% | 16.5% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 16.9% |
Kensington Bank has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Kensington Bank leads on 3 and First National Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.