Bank Comparison
Bank of Edison, the vs First State Bank of Red Wing, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| CET1 Ratio | 13.61% | 21.14% |
| Tier 1 Capital Ratio | 13.61% | 21.14% |
| Total Capital Ratio | 14.86% | 21.90% |
| Tier 1 Leverage Ratio | 8.45% | 9.10% |
| Equity / Assets | 5.56% | 3.26% |
Profitability
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| Return on Assets (ROA) | 1.26% | -0.07% |
| Return on Equity (ROE) | 22.98% | -2.00% |
| Net Interest Margin (NIM) | 4.22% | 2.52% |
| Yield on Earning Assets | 6.20% | 3.82% |
| Cost of Funds | 2.09% | 1.35% |
Asset quality
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| Texas Ratio | 18.61% | 14.17% |
| Non-Performing Loan Ratio | 2.03% | 1.07% |
| Non-Performing Asset Ratio | 1.19% | 0.44% |
| Net Charge-Off Ratio | 0.11% | 0.00% |
| ACL / Loans | 1.39% | 0.85% |
Balance sheet
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| Total Assets | $84,922K | $84,943K |
| Total Deposits | $79,833K | $81,975K |
| Total Loans | $49,719K | $34,561K |
| Total Equity | $4,722K | $2,769K |
| Net Income (quarter) | $269 | $-15 |
Liquidity & funding
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| Loan-to-Deposit Ratio | 62.28% | 42.16% |
| Core Deposit Ratio | 83.24% | 96.46% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Edison, the | First State Bank of Red Wing, the |
|---|---|---|
| Headquarters City | EDISON | RED WING |
| Headquarters State | GA | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 20 | 13 |
| Established | Oct. 1, 1904, midnight | Oct. 14, 1915, 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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