Bank Comparison
Bank of Ontario vs Vantage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| CET1 Ratio | — | 11.25% |
| Tier 1 Capital Ratio | — | 11.25% |
| Total Capital Ratio | — | 12.50% |
| Tier 1 Leverage Ratio | 13.85% | 9.12% |
| Equity / Assets | 13.65% | 9.13% |
Profitability
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 1.76% |
| Return on Equity (ROE) | 7.10% | 18.99% |
| Net Interest Margin (NIM) | 4.76% | 4.49% |
| Yield on Earning Assets | 6.67% | 6.26% |
| Cost of Funds | 2.18% | 1.85% |
Asset quality
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| Texas Ratio | 46.86% | 0.00% |
| Non-Performing Loan Ratio | 8.73% | 0.00% |
| Non-Performing Asset Ratio | 7.14% | 0.00% |
| Net Charge-Off Ratio | -0.15% | 0.00% |
| ACL / Loans | 1.94% | 1.14% |
Balance sheet
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| Total Assets | $80,553K | $80,756K |
| Total Deposits | $67,996K | $72,791K |
| Total Loans | $65,956K | $73,574K |
| Total Equity | $10,999K | $7,375K |
| Net Income (quarter) | $194 | $342 |
Liquidity & funding
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 97.00% | 101.08% |
| Core Deposit Ratio | 95.16% | 90.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Ontario | Vantage Bank |
|---|---|---|
| Headquarters City | ONTARIO | KENT |
| Headquarters State | WI | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 15 | 11 |
| Established | Sept. 23, 1911, midnight | July 14, 1902, 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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