Side-by-side · Q2 2026 data
The Citizens National Bank of Park Rapids vs First State Bank Southwest
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 State Bank Southwest |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 67 (stronger) | 47 |
| Loan quality | 63 | 76 (stronger) |
| Earnings | 97 (stronger) | 66 |
| Funding & liquidity | 57 | 97 (stronger) |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 50th | 43rd |
| Total assets | $397.0M | $409.9M |
| Deposits / shares | $348.1M | $350.8M |
| Capital ratio | 11.70% (stronger) | 9.69% |
| Problem loans | 1.10% | 0.71% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.93% (stronger) | 1.16% |
| Loans ÷ deposits | 88.4% | 63.0% (stronger) |
| Uninsured deposits | 28.3% | 15.5% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.8% |
The Citizens National Bank of Park Rapids has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Park Rapids leads on 3 and First State Bank Southwest on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.