Side-by-side · Q2 2026 data
St. Martin National Bank vs Minnesota First Credit and Savings, Incorporated
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | St. Martin National Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| TellerScore | 100 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 100th | 56th |
| Total assets | $29.4M | $29.9M |
| Deposits / shares | $25.0M | $24.9M |
| Capital ratio | 15.51% (stronger) | 14.16% |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.42% (stronger) | 0.31% |
| Loans ÷ deposits | 52.6% (stronger) | 106.4% |
| Uninsured deposits | 0.0% (stronger) | 0.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Martin National Bank has the higher TellerScore (100 vs 76). On the 6 directional measures above (where higher or lower is clearly better), St. Martin National Bank leads on 6 and Minnesota First Credit and Savings, Incorporated on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.