Side-by-side · Q2 2026 data
Northwoods Bank of Minnesota vs First Farmers & Merchants National Bank
Metric by metric
| Measure | Northwoods Bank of Minnesota | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 68 |
| Capital cushion | 62 (stronger) | 56 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 62 (stronger) | 61 |
| Funding & liquidity | 94 (stronger) | 30 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 77th | 37th |
| Total assets | $140.6M | $140.4M |
| Deposits / shares | $125.0M | $115.4M |
| Capital ratio | 11.22% (stronger) | 10.59% |
| Problem loans | 0.03% (stronger) | 0.06% |
| Net charge-offs | -0.01% (stronger) | 0.20% |
| Return on assets | 1.05% (stronger) | 1.02% |
| Loans ÷ deposits | 61.3% (stronger) | 99.8% |
| Uninsured deposits | 19.1% (stronger) | 42.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Northwoods Bank of Minnesota has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Northwoods Bank of Minnesota leads on 7 and First Farmers & Merchants National Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.