Side-by-side · Q2 2026 data
The Northern State Bank of Gonvick vs United Minnesota Bank
Metric by metric
| Measure | The Northern State Bank of Gonvick | United Minnesota Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 28 |
| Loan quality | 67 | 82 (stronger) |
| Earnings | 82 | 84 (stronger) |
| Funding & liquidity | 91 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 81st | 28th |
| Total assets | $50.6M | $56.9M |
| Deposits / shares | $42.3M | $52.5M |
| Capital ratio | 15.75% (stronger) | 7.78% |
| Problem loans | 1.00% | 0.54% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.55% | 1.60% (stronger) |
| Loans ÷ deposits | 44.4% (stronger) | 85.0% |
| Uninsured deposits | 23.7% | 13.6% (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 66). On the 7 directional measures above (where higher or lower is clearly better), The Northern State Bank of Gonvick leads on 4 and United Minnesota Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.