Side-by-side · Q2 2026 data
Midland States Bank vs First State Bank of St. Peter
Metric by metric
| Measure | Midland States Bank | First State Bank of St. Peter |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 52 (stronger) | 43 |
| Earnings | 69 | 88 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 27th | 73rd |
| Total assets | $6.7B | $30.1M |
| Deposits / shares | $5.7B | $24.6M |
| Capital ratio | 10.08% | 18.52% (stronger) |
| Problem loans | 1.43% (stronger) | 1.71% |
| Net charge-offs | 0.89% | 0.61% (stronger) |
| Return on assets | 1.22% | 1.71% (stronger) |
| Loans ÷ deposits | 73.2% | 30.8% (stronger) |
| Uninsured deposits | 22.7% | 3.5% (stronger) |
| Offices | 53 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.2% | — |
First State Bank of St. Peter has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Midland States Bank leads on 1 and First State Bank of St. Peter on 6. 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.