Bank Comparison
Baraboo State Bank vs Panhandle First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| CET1 Ratio | 18.91% | 17.30% |
| Tier 1 Capital Ratio | 18.91% | 17.30% |
| Total Capital Ratio | 20.17% | 18.55% |
| Tier 1 Leverage Ratio | 11.15% | 13.46% |
| Equity / Assets | 11.25% | 14.27% |
Profitability
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 1.93% |
| Return on Equity (ROE) | 11.14% | 13.52% |
| Net Interest Margin (NIM) | 3.41% | 4.82% |
| Yield on Earning Assets | 5.06% | 6.80% |
| Cost of Funds | 1.81% | 2.20% |
Asset quality
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| Texas Ratio | 0.09% | 10.59% |
| Non-Performing Loan Ratio | 0.02% | 1.70% |
| Non-Performing Asset Ratio | 0.01% | 1.41% |
| Net Charge-Off Ratio | 0.01% | 0.09% |
| ACL / Loans | 1.83% | 1.65% |
Balance sheet
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| Total Assets | $575,159K | $573,210K |
| Total Deposits | $496,839K | $464,423K |
| Total Loans | $301,148K | $361,222K |
| Total Equity | $64,715K | $81,783K |
| Net Income (quarter) | $1,789K | $2,743K |
Liquidity & funding
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.61% | 77.78% |
| Core Deposit Ratio | 91.98% | 80.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Baraboo State Bank | Panhandle First Bank |
|---|---|---|
| Headquarters City | BARABOO | GUYMON |
| Headquarters State | WI | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 92 | 85 |
| Established | July 1, 1857, midnight | Oct. 12, 1976, 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 Baraboo State Bank profile | View full Panhandle First Bank profile | Browse all bank comparisons