Side-by-side · Q2 2026 data
Minnesota First Credit and Savings, Incorporated vs Community Bank Owatonna
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Minnesota First Credit and Savings, Incorporated | Community Bank Owatonna |
|---|---|---|
| TellerScore | 76 (stronger) | 63 |
| Capital cushion | 92 (stronger) | 30 |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 32 | 52 (stronger) |
| Funding & liquidity | 54 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 56th | 24th |
| Total assets | $29.9M | $103.3M |
| Deposits / shares | $24.9M | $94.7M |
| Capital ratio | 14.16% (stronger) | 7.98% |
| Problem loans | 0.12% (stronger) | 0.42% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.31% | 0.81% (stronger) |
| Loans ÷ deposits | 106.4% | 76.6% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 12.7% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minnesota First Credit and Savings, Incorporated has the higher TellerScore (76 vs 63). On the 6 directional measures above (where higher or lower is clearly better), Minnesota First Credit and Savings, Incorporated leads on 4 and Community Bank Owatonna on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.