Bank Comparison
Abbybank vs Worthington Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| CET1 Ratio | 12.79% | 12.27% |
| Tier 1 Capital Ratio | 12.79% | 12.27% |
| Total Capital Ratio | 13.83% | 13.26% |
| Tier 1 Leverage Ratio | 9.36% | 9.41% |
| Equity / Assets | 7.82% | 9.34% |
Profitability
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 1.17% |
| Return on Equity (ROE) | 8.90% | 12.61% |
| Net Interest Margin (NIM) | 3.32% | 4.32% |
| Yield on Earning Assets | 4.97% | 5.97% |
| Cost of Funds | 1.70% | 1.72% |
Asset quality
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| Texas Ratio | 13.45% | 2.43% |
| Non-Performing Loan Ratio | 1.58% | 0.32% |
| Non-Performing Asset Ratio | 1.12% | 0.25% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.17% | 1.00% |
Balance sheet
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| Total Assets | $650,667K | $651,207K |
| Total Deposits | $565,305K | $587,277K |
| Total Loans | $424,656K | $492,346K |
| Total Equity | $50,877K | $60,810K |
| Net Income (quarter) | $1,127K | $1,886K |
Liquidity & funding
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.12% | 83.84% |
| Core Deposit Ratio | 88.89% | 85.79% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Abbybank | Worthington Bank |
|---|---|---|
| Headquarters City | ABBOTSFORD | ARLINGTON |
| Headquarters State | WI | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 9 | 5 |
| Employees (FTE) | 109 | 74 |
| Established | March 1, 1968, midnight | Nov. 21, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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