Side-by-side · Q2 2026 data
Northwoods Bank of Minnesota vs First National Bank North
Metric by metric
| Measure | Northwoods Bank of Minnesota | First National Bank North |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 62 | 71 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 77th | 88th |
| Total assets | $140.6M | $864.3M |
| Deposits / shares | $125.0M | $756.3M |
| Capital ratio | 11.22% | 12.14% (stronger) |
| Problem loans | 0.03% (stronger) | 0.23% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.05% | 2.54% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 84.1% |
| Uninsured deposits | 19.1% | 17.1% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank North has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Northwoods Bank of Minnesota leads on 3 and First National Bank North on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.