Bank Comparison
Apple River State Bank vs Midstates Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.59% | 16.57% |
| Tier 1 Capital Ratio | 14.59% | 16.57% |
| Total Capital Ratio | 15.49% | 17.83% |
| Tier 1 Leverage Ratio | 9.62% | 11.80% |
| Equity / Assets | 8.16% | 10.52% |
Profitability
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.35% |
| Return on Equity (ROE) | 19.04% | 13.12% |
| Net Interest Margin (NIM) | 3.20% | 3.75% |
| Yield on Earning Assets | 5.09% | 4.98% |
| Cost of Funds | 2.02% | 1.38% |
Asset quality
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| Texas Ratio | 1.60% | 1.96% |
| Non-Performing Loan Ratio | 0.23% | 0.34% |
| Non-Performing Asset Ratio | 0.14% | 0.23% |
| Net Charge-Off Ratio | 0.02% | 0.05% |
| ACL / Loans | 0.99% | 2.13% |
Balance sheet
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| Total Assets | $630,236K | $631,356K |
| Total Deposits | $505,195K | $542,904K |
| Total Loans | $393,045K | $428,958K |
| Total Equity | $51,413K | $66,433K |
| Net Income (quarter) | $2,414K | $2,165K |
Liquidity & funding
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 77.80% | 79.01% |
| Core Deposit Ratio | 86.06% | 90.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Apple River State Bank | Midstates Bank, N.A. |
|---|---|---|
| Headquarters City | APPLE RIVER | COUNCIL BLUFFS |
| Headquarters State | IL | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 10354 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 10 |
| Employees (FTE) | 63 | 92 |
| Established | Jan. 5, 1948, midnight | Jan. 1, 1913, 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.
View full Apple River State Bank profile | View full Midstates Bank, N.A. profile | Browse all bank comparisons