Bank Comparison
Arlington State Bank vs First Financial Bank in Winnebago
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 12
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| CET1 Ratio | 22.73% | 19.38% |
| Tier 1 Capital Ratio | 22.73% | 19.38% |
| Total Capital Ratio | 23.56% | 20.26% |
| Tier 1 Leverage Ratio | 10.20% | 13.57% |
| Equity / Assets | 5.77% | 11.24% |
Profitability
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| Return on Assets (ROA) | 0.15% | 1.32% |
| Return on Equity (ROE) | 2.43% | 12.04% |
| Net Interest Margin (NIM) | 2.65% | 3.67% |
| Yield on Earning Assets | 3.56% | 5.28% |
| Cost of Funds | 0.96% | 1.79% |
Asset quality
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| Texas Ratio | 0.32% | 6.23% |
| Non-Performing Loan Ratio | 0.02% | 0.67% |
| Non-Performing Asset Ratio | 0.01% | 0.54% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.05% | 1.06% |
Balance sheet
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| Total Assets | $56,607K | $56,960K |
| Total Deposits | $52,752K | $48,362K |
| Total Loans | $20,236K | $34,780K |
| Total Equity | $3,266K | $6,404K |
| Net Income (quarter) | $21 | $195 |
Liquidity & funding
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| Loan-to-Deposit Ratio | 38.36% | 71.92% |
| Core Deposit Ratio | 89.72% | 97.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Arlington State Bank | First Financial Bank in Winnebago |
|---|---|---|
| Headquarters City | ARLINGTON | WINNEBAGO |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 10 | 9 |
| Established | June 4, 1895, 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.
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