Side-by-side · Q2 2026 data
St. Clair State Bank (Incorporated) vs The First National Bank of Moose Lake
Bank
St. Clair State Bank (Incorporated)
Saint Clair, Minnesota · $100 million – $1 billion
Bank
The First National Bank of Moose Lake
Moose Lake, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Clair State Bank (Incorporated) | The First National Bank of Moose Lake |
|---|---|---|
| TellerScore | 85 | 94 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 100 | 100 |
| Funding & liquidity | 77 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 88th | 98th |
| Total assets | $134.4M | $133.7M |
| Deposits / shares | $118.4M | $112.4M |
| Capital ratio | 11.08% | 15.98% (stronger) |
| Problem loans | 0.03% (stronger) | 0.10% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.18% (stronger) | 2.12% |
| Loans ÷ deposits | 83.0% (stronger) | 84.7% |
| Uninsured deposits | 15.0% (stronger) | 25.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.1% |
The First National Bank of Moose Lake has the higher TellerScore (94 vs 85). On the 6 directional measures above (where higher or lower is clearly better), St. Clair State Bank (Incorporated) leads on 4 and The First National Bank of Moose Lake on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.