Side-by-side · Q2 2026 data
Ultima Bank Minnesota vs The Northern State Bank of Gonvick
Metric by metric
| Measure | Ultima Bank Minnesota | The Northern State Bank of Gonvick |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 79 (stronger) | 67 |
| Earnings | 90 (stronger) | 82 |
| Funding & liquidity | 50 | 91 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 50th | 81st |
| Total assets | $333.9M | $50.6M |
| Deposits / shares | $277.3M | $42.3M |
| Capital ratio | 10.83% | 15.75% (stronger) |
| Problem loans | 0.62% (stronger) | 1.00% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.76% (stronger) | 1.55% |
| Loans ÷ deposits | 112.2% | 44.4% (stronger) |
| Uninsured deposits | 10.7% (stronger) | 23.7% |
| Offices | 6 | 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 72). On the 7 directional measures above (where higher or lower is clearly better), Ultima Bank Minnesota leads on 3 and The Northern State Bank of Gonvick on 4. 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.