Bank Comparison
CenBank vs First Security State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | CenBank | First Security State Bank |
|---|---|---|
| CET1 Ratio | 11.63% | — |
| Tier 1 Capital Ratio | 11.63% | — |
| Total Capital Ratio | 12.60% | — |
| Tier 1 Leverage Ratio | 7.26% | 14.66% |
| Equity / Assets | 7.13% | 13.97% |
Profitability
| Metric | CenBank | First Security State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 1.00% |
| Return on Equity (ROE) | 7.88% | 7.27% |
| Net Interest Margin (NIM) | 4.29% | 3.59% |
| Yield on Earning Assets | 5.35% | 5.24% |
| Cost of Funds | 1.14% | 1.91% |
Asset quality
| Metric | CenBank | First Security State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 14.43% |
| Non-Performing Loan Ratio | 0.00% | 2.23% |
| Non-Performing Asset Ratio | 0.00% | 1.53% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.07% | 1.09% |
Balance sheet
| Metric | CenBank | First Security State Bank |
|---|---|---|
| Total Assets | $87,184K | $87,042K |
| Total Deposits | $80,576K | $74,036K |
| Total Loans | $47,304K | $59,809K |
| Total Equity | $6,216K | $12,156K |
| Net Income (quarter) | $122 | $219 |
Liquidity & funding
| Metric | CenBank | First Security State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 58.71% | 80.78% |
| Core Deposit Ratio | 95.09% | 83.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | CenBank | First Security State Bank |
|---|---|---|
| Headquarters City | Buffalo Lake | EVANSDALE |
| Headquarters State | MN | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 11 | 18 |
| Established | Jan. 1, 1893, midnight | April 23, 1962, 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 CenBank profile | View full First Security State Bank profile | Browse all bank comparisons