Side-by-side · Q2 2026 data
Northern State Bank vs Bank of Alma
Metric by metric
| Measure | Northern State Bank | Bank of Alma |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 93 (stronger) | 68 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 89 (stronger) | 44 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 84th |
| Total assets | $330.8M | $339.5M |
| Deposits / shares | $297.1M | $166.3M |
| Capital ratio | 9.92% | 50.77% (stronger) |
| Problem loans | 0.22% (stronger) | 0.97% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.66% | 3.16% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 119.5% |
| Uninsured deposits | 25.1% | 20.3% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Bank of Alma has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank leads on 3 and Bank of Alma on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.