Side-by-side · Q2 2026 data
Northern State Bank of Thief River Falls vs Lake Elmo Bank
Bank
Northern State Bank of Thief River Falls
Thief River Falls, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northern State Bank of Thief River Falls | Lake Elmo Bank |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 49 | 66 (stronger) |
| Loan quality | 81 (stronger) | 72 |
| Earnings | 64 | 91 (stronger) |
| Funding & liquidity | 64 | 65 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 34th | 57th |
| Total assets | $550.0M | $529.7M |
| Deposits / shares | $499.3M | $462.6M |
| Capital ratio | 9.92% | 11.62% (stronger) |
| Problem loans | 0.57% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.10% | 1.79% (stronger) |
| Loans ÷ deposits | 38.7% (stronger) | 91.3% |
| Uninsured deposits | 47.3% | 18.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Lake Elmo Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Thief River Falls leads on 3 and Lake Elmo Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.