Bank Comparison
Americana Community Bank vs State Bank of Whittington
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| CET1 Ratio | — | 15.18% |
| Tier 1 Capital Ratio | — | 15.18% |
| Total Capital Ratio | — | 16.15% |
| Tier 1 Leverage Ratio | 11.67% | 11.45% |
| Equity / Assets | 10.79% | 10.25% |
Profitability
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 1.19% |
| Return on Equity (ROE) | 6.60% | 11.62% |
| Net Interest Margin (NIM) | 4.25% | 4.52% |
| Yield on Earning Assets | 5.93% | 5.46% |
| Cost of Funds | 1.82% | 0.98% |
Asset quality
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| Texas Ratio | 4.14% | 18.42% |
| Non-Performing Loan Ratio | 0.60% | 1.77% |
| Non-Performing Asset Ratio | 0.48% | 1.19% |
| Net Charge-Off Ratio | 0.01% | 0.34% |
| ACL / Loans | 0.88% | 1.09% |
Balance sheet
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| Total Assets | $178,989K | $178,916K |
| Total Deposits | $147,153K | $159,465K |
| Total Loans | $141,639K | $119,835K |
| Total Equity | $19,311K | $18,342K |
| Net Income (quarter) | $316 | $534 |
Liquidity & funding
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| Loan-to-Deposit Ratio | 96.25% | 75.15% |
| Core Deposit Ratio | 92.49% | 96.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Americana Community Bank | State Bank of Whittington |
|---|---|---|
| Headquarters City | SLEEPY EYE | BENTON |
| Headquarters State | MN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 31 | 47 |
| Established | Jan. 1, 1881, midnight | Aug. 5, 1919, 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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