Bank Comparison
Bank of Southside Virginia, the vs Midstates Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 16.57% |
| Tier 1 Capital Ratio | — | 16.57% |
| Total Capital Ratio | — | 17.83% |
| Tier 1 Leverage Ratio | 22.32% | 11.80% |
| Equity / Assets | 20.32% | 10.52% |
Profitability
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 1.35% |
| Return on Equity (ROE) | 8.66% | 13.12% |
| Net Interest Margin (NIM) | 4.53% | 3.75% |
| Yield on Earning Assets | 4.75% | 4.98% |
| Cost of Funds | 0.27% | 1.38% |
Asset quality
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.54% | 1.96% |
| Non-Performing Loan Ratio | 0.24% | 0.34% |
| Non-Performing Asset Ratio | 0.11% | 0.23% |
| Net Charge-Off Ratio | -0.02% | 0.05% |
| ACL / Loans | 1.42% | 2.13% |
Balance sheet
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| Total Assets | $631,656K | $631,356K |
| Total Deposits | $487,669K | $542,904K |
| Total Loans | $265,394K | $428,958K |
| Total Equity | $128,353K | $66,433K |
| Net Income (quarter) | $2,771K | $2,165K |
Liquidity & funding
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 54.42% | 79.01% |
| Core Deposit Ratio | 97.31% | 90.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Southside Virginia, the | Midstates Bank, N.A. |
|---|---|---|
| Headquarters City | CARSON | COUNCIL BLUFFS |
| Headquarters State | VA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 10354 |
| Regulator | FDIC | OCC |
| Domestic Branches | 15 | 10 |
| Employees (FTE) | 81 | 92 |
| Established | Aug. 10, 1911, midnight | Jan. 1, 1913, 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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