Bank Comparison
Clay County Savings Bank vs Miners State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| CET1 Ratio | 18.37% | — |
| Tier 1 Capital Ratio | 18.37% | — |
| Total Capital Ratio | 19.63% | — |
| Tier 1 Leverage Ratio | 10.85% | 11.78% |
| Equity / Assets | 13.40% | 10.89% |
Profitability
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| Return on Assets (ROA) | -1.10% | 1.18% |
| Return on Equity (ROE) | -10.65% | 11.00% |
| Net Interest Margin (NIM) | 4.27% | 4.10% |
| Yield on Earning Assets | 5.66% | 5.32% |
| Cost of Funds | 0.10% | 1.30% |
Asset quality
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| Texas Ratio | 4.74% | 3.11% |
| Non-Performing Loan Ratio | 0.89% | 0.05% |
| Non-Performing Asset Ratio | 0.54% | 0.35% |
| Net Charge-Off Ratio | 0.12% | 0.04% |
| ACL / Loans | 1.53% | 0.89% |
Balance sheet
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| Total Assets | $141,613K | $141,345K |
| Total Deposits | $114,665K | $124,250K |
| Total Loans | $85,548K | $88,068K |
| Total Equity | $18,978K | $15,394K |
| Net Income (quarter) | $-389 | $423 |
Liquidity & funding
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 74.61% | 70.88% |
| Core Deposit Ratio | 94.12% | 94.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Clay County Savings Bank | Miners State Bank, the |
|---|---|---|
| Headquarters City | Liberty | IRON RIVER |
| Headquarters State | MO | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 26 | 32 |
| Established | Jan. 1, 1922, midnight | Jan. 1, 1932, 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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