Bank Comparison
Cerescobank vs Howard State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| CET1 Ratio | — | 15.90% |
| Tier 1 Capital Ratio | — | 15.90% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 13.74% | 11.80% |
| Equity / Assets | 12.46% | 9.29% |
Profitability
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 2.63% |
| Return on Equity (ROE) | 11.10% | 30.27% |
| Net Interest Margin (NIM) | 3.23% | 4.91% |
| Yield on Earning Assets | 5.08% | 5.74% |
| Cost of Funds | 2.00% | 0.86% |
Asset quality
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| Texas Ratio | 0.87% | 4.75% |
| Non-Performing Loan Ratio | 0.00% | 0.73% |
| Non-Performing Asset Ratio | 0.00% | 0.48% |
| Net Charge-Off Ratio | 0.05% | 0.02% |
| ACL / Loans | 1.78% | 1.28% |
Balance sheet
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| Total Assets | $79,615K | $79,373K |
| Total Deposits | $69,257K | $70,840K |
| Total Loans | $42,405K | $52,618K |
| Total Equity | $9,922K | $7,372K |
| Net Income (quarter) | $270 | $535 |
Liquidity & funding
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.23% | 74.28% |
| Core Deposit Ratio | 87.42% | 97.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cerescobank | Howard State Bank |
|---|---|---|
| Headquarters City | CERESCO | HOWARD |
| Headquarters State | NE | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 10 | 18 |
| Established | Sept. 1, 1911, midnight | Aug. 30, 1877, 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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