Bank Comparison
Bankcherokee vs Village Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| CET1 Ratio | 13.60% | 12.34% |
| Tier 1 Capital Ratio | 13.60% | 12.34% |
| Total Capital Ratio | 14.85% | 13.48% |
| Tier 1 Leverage Ratio | 9.25% | 8.78% |
| Equity / Assets | 8.02% | 6.90% |
Profitability
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| Return on Assets (ROA) | 0.50% | 0.58% |
| Return on Equity (ROE) | 6.09% | 8.50% |
| Net Interest Margin (NIM) | 3.64% | 3.48% |
| Yield on Earning Assets | 4.76% | 5.05% |
| Cost of Funds | 1.20% | 1.64% |
Asset quality
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| Texas Ratio | 2.62% | 15.26% |
| Non-Performing Loan Ratio | 0.35% | 1.62% |
| Non-Performing Asset Ratio | 0.23% | 1.16% |
| Net Charge-Off Ratio | 0.00% | 2.65% |
| ACL / Loans | 1.31% | 1.13% |
Balance sheet
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| Total Assets | $420,382K | $410,179K |
| Total Deposits | $350,684K | $346,830K |
| Total Loans | $280,259K | $292,343K |
| Total Equity | $33,730K | $28,294K |
| Net Income (quarter) | $511 | $608 |
Liquidity & funding
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.92% | 84.29% |
| Core Deposit Ratio | 97.91% | 96.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bankcherokee | Village Bank |
|---|---|---|
| Headquarters City | SAINT PAUL | SAINT FRANCIS |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 58 | 52 |
| Established | Jan. 15, 1908, midnight | Jan. 11, 1993, 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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