Side-by-side · Q2 2026 data
Northern State Bank of Thief River Falls vs Luminate 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 | Luminate Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 47 |
| Capital cushion | 49 | 54 (stronger) |
| Loan quality | 81 (stronger) | 22 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 64 (stronger) | 1 |
| Problem-loan coverage | 95 (stronger) | 56 |
| Peer percentile | 34th | 5th |
| Total assets | $550.0M | $554.5M |
| Deposits / shares | $499.3M | $412.7M |
| Capital ratio | 9.92% | 10.40% (stronger) |
| Problem loans | 0.57% (stronger) | 2.33% |
| Net charge-offs | 0.00% (stronger) | 0.53% |
| Return on assets | 1.10% | 3.07% (stronger) |
| Loans ÷ deposits | 38.7% (stronger) | 108.8% |
| Uninsured deposits | 47.3% (stronger) | 63.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Northern State Bank of Thief River Falls has the higher TellerScore (67 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Northern State Bank of Thief River Falls leads on 5 and Luminate Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.