Side-by-side · Q2 2026 data
Minnesota National Bank vs Vergas State Bank
Metric by metric
| Measure | Minnesota National Bank | Vergas State Bank |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 84 | 95 (stronger) |
| Earnings | 86 (stronger) | 75 |
| Funding & liquidity | 56 | 93 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $298.4M | $60.7M |
| Deposits / shares | $253.9M | $51.5M |
| Capital ratio | 9.77% | 15.27% (stronger) |
| Problem loans | 0.49% | 0.16% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.37% |
| Loans ÷ deposits | 93.8% | 67.3% (stronger) |
| Uninsured deposits | 24.3% | 13.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Vergas State Bank has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Minnesota National Bank leads on 1 and Vergas State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.