Side-by-side · Q2 2026 data
The Northern State Bank of Gonvick vs Farmers and Merchants State Bank of Alpha
Bank
Farmers and Merchants State Bank of Alpha
Alpha, Minnesota · Under $100 million in assets
Metric by metric
| Measure | The Northern State Bank of Gonvick | Farmers and Merchants State Bank of Alpha |
|---|---|---|
| TellerScore | 86 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 82 (stronger) | 45 |
| Funding & liquidity | 91 (stronger) | 87 |
| Problem-loan coverage | 96 (stronger) | 55 |
| Peer percentile | 81st | 7th |
| Total assets | $50.6M | $47.4M |
| Deposits / shares | $42.3M | $41.2M |
| Capital ratio | 15.75% (stronger) | 11.15% |
| Problem loans | 1.00% (stronger) | 4.15% |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.55% (stronger) | 0.62% |
| Loans ÷ deposits | 44.4% (stronger) | 73.2% |
| Uninsured deposits | 23.7% | 10.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Northern State Bank of Gonvick has the higher TellerScore (86 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The Northern State Bank of Gonvick leads on 6 and Farmers and Merchants State Bank of Alpha on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.