Side-by-side · Q2 2026 data
Northern State Bank vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Northern State Bank | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 49 | 51 (stronger) |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 86 (stronger) | 75 |
| Funding & liquidity | 89 | 99 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 72nd | 72nd |
| Total assets | $330.8M | $341.6M |
| Deposits / shares | $297.1M | $287.5M |
| Capital ratio | 9.92% | 10.06% (stronger) |
| Problem loans | 0.22% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.66% (stronger) | 1.39% |
| Loans ÷ deposits | 52.1% (stronger) | 60.9% |
| Uninsured deposits | 25.1% | 14.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Northern State Bank leads on 3 and Cumberland Federal Bank, FSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.