Side-by-side · Q2 2026 data
The Miners State Bank vs Flagstar Bank, National Association
Metric by metric
| Measure | The Miners State Bank | Flagstar Bank, National Association |
|---|---|---|
| TellerScore | 82 (stronger) | 31 |
| Capital cushion | 72 (stronger) | 47 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 62 (stronger) | 25 |
| Funding & liquidity | 88 (stronger) | 55 |
| Problem-loan coverage | 96 (stronger) | 32 |
| Peer percentile | 82nd | 2nd |
| Total assets | $134.8M | $87.7B |
| Deposits / shares | $117.6M | $67.5B |
| Capital ratio | 12.19% (stronger) | 9.70% |
| Problem loans | 0.00% (stronger) | 4.97% |
| Net charge-offs | 0.02% (stronger) | 0.58% |
| Return on assets | 1.05% (stronger) | 0.13% |
| Loans ÷ deposits | 72.7% (stronger) | 89.3% |
| Uninsured deposits | 13.3% (stronger) | 28.9% |
| Offices | 5 | 340 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 35.1% |
The Miners State Bank has the higher TellerScore (82 vs 31). On the 7 directional measures above (where higher or lower is clearly better), The Miners State Bank leads on 7 and Flagstar Bank, National Association on 0. 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.
Where both have branches
- Houghton, MI
- Iron River, MI