Side-by-side · Q2 2026 data
The First National Bank of Fairfax vs Grand Marais State Bank
Metric by metric
| Measure | The First National Bank of Fairfax | Grand Marais State Bank |
|---|---|---|
| TellerScore | 67 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 64 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 30th | 61st |
| Total assets | $35.6M | $207.2M |
| Deposits / shares | $21.9M | $189.6M |
| Capital ratio | 38.46% (stronger) | 8.40% |
| Problem loans | 8.68% | 0.10% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 1.10% | 1.71% (stronger) |
| Loans ÷ deposits | 42.8% (stronger) | 68.4% |
| Uninsured deposits | 9.6% (stronger) | 19.3% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Marais State Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fairfax leads on 4 and Grand Marais State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.