Bank Comparison
Bank of Lake Village vs First State Bank of Michigan
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 6
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| CET1 Ratio | 22.87% | — |
| Tier 1 Capital Ratio | 22.87% | — |
| Total Capital Ratio | 24.16% | — |
| Tier 1 Leverage Ratio | 16.78% | 14.74% |
| Equity / Assets | 15.88% | 18.20% |
Profitability
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| Return on Assets (ROA) | 1.37% | -1.35% |
| Return on Equity (ROE) | 8.79% | -7.23% |
| Net Interest Margin (NIM) | 4.96% | 3.59% |
| Yield on Earning Assets | 6.24% | 5.61% |
| Cost of Funds | 1.43% | 2.35% |
Asset quality
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| Texas Ratio | 5.93% | 4.61% |
| Non-Performing Loan Ratio | 0.85% | 1.09% |
| Non-Performing Asset Ratio | 0.52% | 0.67% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 5.98% | 1.19% |
Balance sheet
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| Total Assets | $83,371K | $83,176K |
| Total Deposits | $69,882K | $66,791K |
| Total Loans | $51,126K | $51,264K |
| Total Equity | $13,239K | $15,142K |
| Net Income (quarter) | $290 | $-277 |
Liquidity & funding
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| Loan-to-Deposit Ratio | 73.16% | 76.75% |
| Core Deposit Ratio | 89.00% | 95.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Lake Village | First State Bank of Michigan |
|---|---|---|
| Headquarters City | LAKE VILLAGE | DECATUR |
| Headquarters State | AR | MI |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 17 | 22 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1870, 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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