Side-by-side · Q2 2026 data
Minnesota Lakes Bank vs Liberty Bank Minnesota
Metric by metric
| Measure | Minnesota Lakes Bank | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 57 | 79 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 77 (stronger) | 62 |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 9th | 90th |
| Total assets | $129.8M | $290.2M |
| Deposits / shares | $113.5M | $262.9M |
| Capital ratio | 10.69% | 12.90% (stronger) |
| Problem loans | 3.18% | 0.00% (stronger) |
| Net charge-offs | -0.18% (stronger) | 0.02% |
| Return on assets | 1.43% (stronger) | 1.04% |
| Loans ÷ deposits | 65.6% | 51.7% (stronger) |
| Uninsured deposits | 16.9% | 9.1% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Minnesota Lakes Bank leads on 2 and Liberty Bank Minnesota on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.