Bank Comparison
Bank Forward vs Saint Louis Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 7
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| CET1 Ratio | — | 9.97% |
| Tier 1 Capital Ratio | — | 9.97% |
| Total Capital Ratio | — | 11.14% |
| Tier 1 Leverage Ratio | 10.79% | 8.60% |
| Equity / Assets | 10.71% | 8.04% |
Profitability
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 0.95% |
| Return on Equity (ROE) | 16.49% | 11.54% |
| Net Interest Margin (NIM) | 3.47% | 3.32% |
| Yield on Earning Assets | 5.45% | 5.73% |
| Cost of Funds | 2.11% | 2.71% |
Asset quality
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| Texas Ratio | 14.89% | 20.20% |
| Non-Performing Loan Ratio | 1.91% | 2.04% |
| Non-Performing Asset Ratio | 1.57% | 1.72% |
| Net Charge-Off Ratio | 0.01% | -0.03% |
| ACL / Loans | 0.70% | 1.24% |
Balance sheet
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| Total Assets | $1,177M | $1,177M |
| Total Deposits | $977,100K | $1,063M |
| Total Loans | $862,321K | $898,320K |
| Total Equity | $126,057K | $94,684K |
| Net Income (quarter) | $5,111K | $2,719K |
Liquidity & funding
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.25% | 84.43% |
| Core Deposit Ratio | 92.32% | 96.73% |
| Uninsured Deposit Ratio | 27.02% | 22.09% |
Identity
| Metric | Bank Forward | Saint Louis Bank |
|---|---|---|
| Headquarters City | FARGO | SAINT LOUIS |
| Headquarters State | ND | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 2 |
| Employees (FTE) | 222 | 63 |
| Established | Sept. 5, 1927, midnight | June 6, 2005, 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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