Side-by-side · Q2 2026 data
Kensington Bank vs United Minnesota Bank
Metric by metric
| Measure | Kensington Bank | United Minnesota Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 66 |
| Capital cushion | 49 (stronger) | 28 |
| Loan quality | 81 | 82 (stronger) |
| Earnings | 72 | 84 (stronger) |
| Funding & liquidity | 68 | 75 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 40th | 28th |
| Total assets | $446.7M | $56.9M |
| Deposits / shares | $376.2M | $52.5M |
| Capital ratio | 9.90% (stronger) | 7.78% |
| Problem loans | 0.58% | 0.54% (stronger) |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 1.30% | 1.60% (stronger) |
| Loans ÷ deposits | 90.7% | 85.0% (stronger) |
| Uninsured deposits | 16.9% | 13.6% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Kensington Bank has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Kensington Bank leads on 2 and United Minnesota Bank on 5. 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.