Side-by-side · Q2 2026 data
The State Bank of Faribault vs Ultima Bank Minnesota
Metric by metric
| Measure | The State Bank of Faribault | Ultima Bank Minnesota |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 43 | 58 (stronger) |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 65 | 90 (stronger) |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 80 | 90 (stronger) |
| Peer percentile | 47th | 50th |
| Total assets | $329.2M | $333.9M |
| Deposits / shares | $301.4M | $277.3M |
| Capital ratio | 9.31% | 10.83% (stronger) |
| Problem loans | 0.13% (stronger) | 0.62% |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.14% | 1.76% (stronger) |
| Loans ÷ deposits | 58.4% (stronger) | 112.2% |
| Uninsured deposits | 28.7% | 10.7% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ultima Bank Minnesota has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Faribault leads on 3 and Ultima Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.