Bank Comparison
Bank of Lindsay vs First State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 18
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| CET1 Ratio | 10.94% | 15.77% |
| Tier 1 Capital Ratio | 10.94% | 15.77% |
| Total Capital Ratio | 11.83% | 16.81% |
| Tier 1 Leverage Ratio | 9.73% | 10.26% |
| Equity / Assets | 9.13% | 10.31% |
Profitability
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.27% | 1.64% |
| Return on Equity (ROE) | 2.89% | 15.28% |
| Net Interest Margin (NIM) | 3.04% | 5.83% |
| Yield on Earning Assets | 5.68% | 6.93% |
| Cost of Funds | 2.53% | 1.18% |
Asset quality
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 2.96% |
| Non-Performing Loan Ratio | 0.00% | 0.49% |
| Non-Performing Asset Ratio | 0.00% | 0.32% |
| Net Charge-Off Ratio | 0.00% | 1.39% |
| ACL / Loans | 0.97% | 1.01% |
Balance sheet
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| Total Assets | $100,917K | $101,000K |
| Total Deposits | $74,158K | $88,776K |
| Total Loans | $79,192K | $67,544K |
| Total Equity | $9,210K | $10,413K |
| Net Income (quarter) | $67 | $414 |
Liquidity & funding
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 106.79% | 76.08% |
| Core Deposit Ratio | 91.47% | 95.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Lindsay | First State Bank |
|---|---|---|
| Headquarters City | LINDSAY | VALLIANT |
| Headquarters State | NE | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 16 | 31 |
| Established | April 15, 1953, midnight | Jan. 1, 1911, 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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