Side-by-side · Q2 2026 data
The First National Bank of Milaca vs Stearns Bank National Association
Metric by metric
| Measure | The First National Bank of Milaca | Stearns Bank National Association |
|---|---|---|
| TellerScore | 81 (stronger) | 67 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 88 (stronger) | 12 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 65 |
| Peer percentile | 80th | 44th |
| Total assets | $293.2M | $3.3B |
| Deposits / shares | $259.8M | $2.4B |
| Capital ratio | 10.77% | 15.42% (stronger) |
| Problem loans | 0.37% (stronger) | 2.65% |
| Net charge-offs | -0.00% (stronger) | 2.05% |
| Return on assets | 1.95% | 2.09% (stronger) |
| Loans ÷ deposits | 75.5% (stronger) | 114.8% |
| Uninsured deposits | 14.0% (stronger) | 15.9% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | — |
The First National Bank of Milaca has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Milaca leads on 5 and Stearns Bank National Association on 2. 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.