Side-by-side · Q2 2026 data
The First National Bank of Osakis vs Mid-Central National Bank
Metric by metric
| Measure | The First National Bank of Osakis | Mid-Central National Bank |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 37 | 99 (stronger) |
| Loan quality | 78 (stronger) | 75 |
| Earnings | 65 (stronger) | 44 |
| Funding & liquidity | 59 | 67 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 19th | 68th |
| Total assets | $97.6M | $117.1M |
| Deposits / shares | $80.9M | $94.9M |
| Capital ratio | 8.67% | 14.91% (stronger) |
| Problem loans | 0.67% (stronger) | 0.76% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.12% (stronger) | 0.60% |
| Loans ÷ deposits | 100.4% | 93.2% (stronger) |
| Uninsured deposits | 15.4% | 3.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mid-Central National Bank has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Osakis leads on 3 and Mid-Central National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.