Side-by-side · Q2 2026 data
Wnb Financial, N.A. vs Northern State Bank of Thief River Falls
Bank
Northern State Bank of Thief River Falls
Thief River Falls, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Wnb Financial, N.A. | Northern State Bank of Thief River Falls |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 53 (stronger) | 49 |
| Loan quality | 97 (stronger) | 81 |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 92 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 64th | 34th |
| Total assets | $583.7M | $550.0M |
| Deposits / shares | $512.9M | $499.3M |
| Capital ratio | 10.31% (stronger) | 9.92% |
| Problem loans | 0.08% (stronger) | 0.57% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.00% | 1.10% (stronger) |
| Loans ÷ deposits | 67.8% | 38.7% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 47.3% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Wnb Financial, N.A. has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Wnb Financial, N.A. leads on 5 and Northern State Bank of Thief River Falls on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.