Side-by-side · Q2 2026 data
Waumandee State Bank vs Minnesota First Credit and Savings, Incorporated
Bank
Minnesota First Credit and Savings, Incorporated
Rochester, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Waumandee State Bank | Minnesota First Credit and Savings, Incorporated |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 44 | 92 (stronger) |
| Loan quality | 80 | 96 (stronger) |
| Earnings | 66 (stronger) | 32 |
| Funding & liquidity | 77 (stronger) | 54 |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 34th | 56th |
| Total assets | $345.5M | $29.9M |
| Deposits / shares | $301.2M | $24.9M |
| Capital ratio | 9.39% | 14.16% (stronger) |
| Problem loans | 0.60% | 0.12% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.16% (stronger) | 0.31% |
| Loans ÷ deposits | 83.2% (stronger) | 106.4% |
| Uninsured deposits | 9.4% | 0.2% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minnesota First Credit and Savings, Incorporated has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Waumandee State Bank leads on 2 and Minnesota First Credit and Savings, Incorporated on 5. 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.