Bank Comparison
Boelus State Bank vs The Culbertson Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 5
winning metrics across 13 comparable rows
Capital adequacy
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.99% | 18.63% |
| Equity / Assets | 14.32% | 19.17% |
Profitability
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | -1.00% |
| Return on Equity (ROE) | 8.73% | -5.29% |
| Net Interest Margin (NIM) | 3.05% | 5.32% |
| Yield on Earning Assets | 5.09% | 6.72% |
| Cost of Funds | 2.15% | 1.53% |
Asset quality
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 3.22% | 1.98% |
Balance sheet
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| Total Assets | $25,150K | $11,363K |
| Total Deposits | $21,483K | $9,168K |
| Total Loans | $6,432K | $5,720K |
| Total Equity | $3,601K | $2,178K |
| Net Income (quarter) | $78 | $-29 |
Liquidity & funding
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 29.94% | 62.39% |
| Core Deposit Ratio | 100.00% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Boelus State Bank | The Culbertson Bank |
|---|---|---|
| Headquarters City | BOELUS | Culbertson |
| Headquarters State | NE | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | — | Sept. 1, 1886, 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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