Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs The First National Bank of Cokato
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | The First National Bank of Cokato |
|---|---|---|
| TellerScore | 85 (stronger) | 68 |
| Capital cushion | 61 (stronger) | 35 |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 77 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 88th | 37th |
| Total assets | $134.4M | $138.2M |
| Deposits / shares | $118.4M | $128.1M |
| Capital ratio | 11.08% (stronger) | 8.54% |
| Problem loans | 0.03% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.18% (stronger) | 1.50% |
| Loans ÷ deposits | 83.0% | 72.6% (stronger) |
| Uninsured deposits | 15.0% (stronger) | 38.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair State Bank (Incorporated) has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 6 and The First National Bank of Cokato on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.