Bank Comparison
Bank of Landisburg, the vs Winter Hill Bank, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| CET1 Ratio | — | 16.79% |
| Tier 1 Capital Ratio | — | 16.79% |
| Total Capital Ratio | — | 17.56% |
| Tier 1 Leverage Ratio | 16.73% | 9.95% |
| Equity / Assets | 16.20% | 9.86% |
Profitability
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.63% | 0.10% |
| Return on Equity (ROE) | 10.23% | 1.04% |
| Net Interest Margin (NIM) | 3.76% | 2.66% |
| Yield on Earning Assets | 5.25% | 4.69% |
| Cost of Funds | 1.72% | 2.20% |
Asset quality
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| Texas Ratio | 11.58% | 0.16% |
| Non-Performing Loan Ratio | 3.01% | 0.02% |
| Non-Performing Asset Ratio | 1.96% | 0.02% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.15% | 0.60% |
Balance sheet
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| Total Assets | $418,517K | $418,714K |
| Total Deposits | $348,984K | $300,483K |
| Total Loans | $273,146K | $297,689K |
| Total Equity | $67,791K | $41,287K |
| Net Income (quarter) | $1,717K | $107 |
Liquidity & funding
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 78.27% | 99.07% |
| Core Deposit Ratio | 92.58% | 91.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Landisburg, the | Winter Hill Bank, FSB |
|---|---|---|
| Headquarters City | LANDISBURG | SOMERVILLE |
| Headquarters State | PA | MA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 701149 |
| Regulator | FED | OCC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 47 | 52 |
| Established | Oct. 19, 1903, midnight | Jan. 1, 1906, 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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