Bank Comparison
Bank of Lindsay vs First National Bank of Johnson
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| CET1 Ratio | 10.94% | — |
| Tier 1 Capital Ratio | 10.94% | — |
| Total Capital Ratio | 11.83% | — |
| Tier 1 Leverage Ratio | 9.73% | 15.18% |
| Equity / Assets | 9.13% | 15.37% |
Profitability
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| Return on Assets (ROA) | 0.27% | 0.46% |
| Return on Equity (ROE) | 2.89% | 2.97% |
| Net Interest Margin (NIM) | 3.04% | 2.42% |
| Yield on Earning Assets | 5.68% | 3.30% |
| Cost of Funds | 2.53% | 1.00% |
Asset quality
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 0.97% | 0.75% |
Balance sheet
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| Total Assets | $100,917K | $96,593K |
| Total Deposits | $74,158K | $79,460K |
| Total Loans | $79,192K | $31,103K |
| Total Equity | $9,210K | $14,850K |
| Net Income (quarter) | $67 | $110 |
Liquidity & funding
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| Loan-to-Deposit Ratio | 106.79% | 39.14% |
| Core Deposit Ratio | 91.47% | 95.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Lindsay | First National Bank of Johnson |
|---|---|---|
| Headquarters City | LINDSAY | JOHNSON |
| Headquarters State | NE | NE |
| Asset Tier | Small | Micro |
| Charter Class | 0 | 8161 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 16 | 9 |
| Established | April 15, 1953, midnight | May 6, 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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