Bank Comparison
Bank of the Mountains, INC. vs First State Bank of Harvey
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 the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| CET1 Ratio | 15.09% | — |
| Tier 1 Capital Ratio | 15.09% | — |
| Total Capital Ratio | 16.34% | — |
| Tier 1 Leverage Ratio | 9.50% | 10.24% |
| Equity / Assets | 9.25% | 7.70% |
Profitability
| Metric | Bank of the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| Return on Assets (ROA) | 0.40% | 0.97% |
| Return on Equity (ROE) | 4.26% | 12.51% |
| Net Interest Margin (NIM) | 4.81% | 2.85% |
| Yield on Earning Assets | 6.01% | 4.09% |
| Cost of Funds | 1.14% | 1.33% |
Asset quality
| Metric | Bank of the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| Texas Ratio | 3.77% | 5.73% |
| Non-Performing Loan Ratio | 0.55% | 0.00% |
| Non-Performing Asset Ratio | 0.38% | 0.00% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 1.38% | 1.25% |
Balance sheet
| Metric | Bank of the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| Total Assets | $100,300K | $100,416K |
| Total Deposits | $88,492K | $91,904K |
| Total Loans | $70,001K | $31,794K |
| Total Equity | $9,274K | $7,736K |
| Net Income (quarter) | $99 | $244 |
Liquidity & funding
| Metric | Bank of the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| Loan-to-Deposit Ratio | 79.10% | 34.59% |
| Core Deposit Ratio | 91.23% | 93.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of the Mountains, INC. | First State Bank of Harvey |
|---|---|---|
| Headquarters City | WEST LIBERTY | HARVEY |
| Headquarters State | KY | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 24 | 15 |
| Established | Sept. 15, 1973, midnight | June 5, 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.
View full Bank of the Mountains, INC. profile | View full First State Bank of Harvey profile | Browse all bank comparisons