Side-by-side · Q2 2026 data
The Citizens National Bank of Park Rapids vs First National Bank North
Bank
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The Citizens National Bank of Park Rapids | First National Bank North |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 67 | 71 (stronger) |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 57 | 74 (stronger) |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 50th | 88th |
| Total assets | $397.0M | $864.3M |
| Deposits / shares | $348.1M | $756.3M |
| Capital ratio | 11.70% | 12.14% (stronger) |
| Problem loans | 1.10% | 0.23% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.93% | 2.54% (stronger) |
| Loans ÷ deposits | 88.4% | 84.1% (stronger) |
| Uninsured deposits | 28.3% | 17.1% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank North has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Park Rapids leads on 0 and First National Bank North on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.