Side-by-side · Q2 2026 data
Vergas State Bank vs United Minnesota Bank
Metric by metric
| Measure | Vergas State Bank | United Minnesota Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 28 |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 75 | 84 (stronger) |
| Funding & liquidity | 93 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 94th | 28th |
| Total assets | $60.7M | $56.9M |
| Deposits / shares | $51.5M | $52.5M |
| Capital ratio | 15.27% (stronger) | 7.78% |
| Problem loans | 0.16% (stronger) | 0.54% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.37% | 1.60% (stronger) |
| Loans ÷ deposits | 67.3% (stronger) | 85.0% |
| Uninsured deposits | 13.3% (stronger) | 13.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vergas State Bank has the higher TellerScore (93 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Vergas State Bank leads on 5 and United Minnesota Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.