Bank Comparison
Bank of Dickson vs Guthrie County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| CET1 Ratio | — | 17.40% |
| Tier 1 Capital Ratio | — | 17.40% |
| Total Capital Ratio | — | 18.44% |
| Tier 1 Leverage Ratio | 11.65% | 12.47% |
| Equity / Assets | 9.91% | 9.19% |
Profitability
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.02% |
| Return on Equity (ROE) | 7.98% | 10.57% |
| Net Interest Margin (NIM) | 3.39% | 3.07% |
| Yield on Earning Assets | 4.51% | 5.42% |
| Cost of Funds | 1.24% | 2.48% |
Asset quality
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| Texas Ratio | 1.37% | 12.63% |
| Non-Performing Loan Ratio | 0.24% | 2.32% |
| Non-Performing Asset Ratio | 0.14% | 1.25% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.05% | 1.31% |
Balance sheet
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| Total Assets | $284,652K | $285,084K |
| Total Deposits | $255,104K | $214,370K |
| Total Loans | $172,542K | $153,286K |
| Total Equity | $28,208K | $26,198K |
| Net Income (quarter) | $561 | $700 |
Liquidity & funding
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.64% | 71.51% |
| Core Deposit Ratio | 91.80% | 94.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Dickson | Guthrie County State Bank |
|---|---|---|
| Headquarters City | DICKSON | PANORA |
| Headquarters State | TN | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 50 | 28 |
| Established | May 26, 1954, midnight | Oct. 17, 1931, 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 Bank of Dickson profile | View full Guthrie County State Bank profile | Browse all bank comparisons