Side-by-side · Q2 2026 data
Wadena State Bank vs Mid-Central National Bank
Metric by metric
| Measure | Wadena State Bank | Mid-Central National Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 48 | 99 (stronger) |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 94 (stronger) | 44 |
| Funding & liquidity | 91 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 80th | 68th |
| Total assets | $206.6M | $117.1M |
| Deposits / shares | $187.9M | $94.9M |
| Capital ratio | 9.84% | 14.91% (stronger) |
| Problem loans | 0.04% (stronger) | 0.76% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.85% (stronger) | 0.60% |
| Loans ÷ deposits | 69.4% (stronger) | 93.2% |
| Uninsured deposits | 13.1% | 3.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wadena State Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Wadena State Bank leads on 5 and Mid-Central National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wadena, MN