Bank Comparison
Bank of Yazoo City vs Alamosa State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 14
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| CET1 Ratio | — | 22.31% |
| Tier 1 Capital Ratio | — | 22.31% |
| Total Capital Ratio | — | 23.51% |
| Tier 1 Leverage Ratio | 11.81% | 12.67% |
| Equity / Assets | 10.43% | 12.49% |
Profitability
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.79% | 2.33% |
| Return on Equity (ROE) | 7.52% | 18.94% |
| Net Interest Margin (NIM) | 3.26% | 3.94% |
| Yield on Earning Assets | 4.52% | 4.76% |
| Cost of Funds | 1.35% | 0.90% |
Asset quality
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| Texas Ratio | 0.06% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.06% | 0.02% |
| ACL / Loans | 1.13% | 1.18% |
Balance sheet
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| Total Assets | $325,961K | $326,178K |
| Total Deposits | $290,387K | $283,509K |
| Total Loans | $168,511K | $173,077K |
| Total Equity | $33,983K | $40,734K |
| Net Income (quarter) | $636 | $1,922K |
Liquidity & funding
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 58.03% | 61.05% |
| Core Deposit Ratio | 90.36% | 88.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Yazoo City | Alamosa State Bank |
|---|---|---|
| Headquarters City | YAZOO CITY | ALAMOSA |
| Headquarters State | MS | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 41 | 31 |
| Established | April 15, 1876, midnight | March 1, 1907, 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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