Bank Comparison
Camp Grove State Bank vs Frost State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| CET1 Ratio | — | 18.21% |
| Tier 1 Capital Ratio | — | 18.21% |
| Total Capital Ratio | — | 19.18% |
| Tier 1 Leverage Ratio | 10.22% | 17.14% |
| Equity / Assets | 11.61% | 16.97% |
Profitability
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.71% | 2.12% |
| Return on Equity (ROE) | -6.39% | 12.54% |
| Net Interest Margin (NIM) | 2.79% | 4.62% |
| Yield on Earning Assets | 5.67% | 7.51% |
| Cost of Funds | 3.12% | 3.37% |
Asset quality
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| Texas Ratio | 0.28% | 2.68% |
| Non-Performing Loan Ratio | 0.00% | 0.04% |
| Non-Performing Asset Ratio | 0.03% | 0.13% |
| Net Charge-Off Ratio | -0.05% | 0.32% |
| ACL / Loans | 1.21% | 1.05% |
Balance sheet
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| Total Assets | $53,758K | $53,845K |
| Total Deposits | $38,181K | $43,986K |
| Total Loans | $15,173K | $46,581K |
| Total Equity | $6,243K | $9,135K |
| Net Income (quarter) | $-100 | $282 |
Liquidity & funding
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 39.74% | 105.90% |
| Core Deposit Ratio | 95.09% | 90.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Camp Grove State Bank | Frost State Bank |
|---|---|---|
| Headquarters City | CAMP GROVE | Frost |
| Headquarters State | IL | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 8 | 7 |
| Established | Jan. 1, 1902, midnight | Dec. 20, 1985, 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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