Bank Comparison
Banksouth vs Iowa State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 19.41% | 11.63% |
| Equity / Assets | 19.00% | 11.23% |
Profitability
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.67% |
| Return on Equity (ROE) | 6.63% | 14.47% |
| Net Interest Margin (NIM) | 3.73% | 3.25% |
| Yield on Earning Assets | 5.31% | 5.31% |
| Cost of Funds | 1.97% | 2.27% |
Asset quality
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| Texas Ratio | 0.08% | 11.24% |
| Non-Performing Loan Ratio | 0.02% | 0.17% |
| Non-Performing Asset Ratio | 0.02% | 0.46% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.62% | 1.69% |
Balance sheet
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| Total Assets | $217,918K | $217,843K |
| Total Deposits | $175,462K | $192,391K |
| Total Loans | $173,340K | $160,483K |
| Total Equity | $41,404K | $24,465K |
| Net Income (quarter) | $682 | $879 |
Liquidity & funding
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.79% | 83.42% |
| Core Deposit Ratio | 89.57% | 91.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Banksouth | Iowa State Bank |
|---|---|---|
| Headquarters City | DOTHAN | SAC CITY |
| Headquarters State | AL | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 24 | 25 |
| Established | Jan. 1, 1928, midnight | March 29, 1926, 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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