Bank Comparison
Cleo State Bank vs Rushford State Bank (incorporated)
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| CET1 Ratio | — | 12.85% |
| Tier 1 Capital Ratio | — | 12.85% |
| Total Capital Ratio | — | 13.67% |
| Tier 1 Leverage Ratio | 16.75% | 6.84% |
| Equity / Assets | 15.97% | 6.21% |
Profitability
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.95% |
| Return on Equity (ROE) | 10.77% | 14.60% |
| Net Interest Margin (NIM) | 4.24% | 3.50% |
| Yield on Earning Assets | 5.92% | 5.19% |
| Cost of Funds | 1.89% | 1.74% |
Asset quality
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| Texas Ratio | 3.87% | 23.24% |
| Non-Performing Loan Ratio | 0.43% | 3.02% |
| Non-Performing Asset Ratio | 0.27% | 1.54% |
| Net Charge-Off Ratio | -0.01% | 0.18% |
| ACL / Loans | 0.82% | 0.82% |
Balance sheet
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| Total Assets | $114,686K | $114,578K |
| Total Deposits | $96,231K | $107,023K |
| Total Loans | $71,806K | $58,492K |
| Total Equity | $18,317K | $7,114K |
| Net Income (quarter) | $487 | $263 |
Liquidity & funding
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| Loan-to-Deposit Ratio | 74.62% | 54.65% |
| Core Deposit Ratio | 80.13% | 89.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cleo State Bank | Rushford State Bank (incorporated) |
|---|---|---|
| Headquarters City | CLEO SPRINGS | RUSHFORD |
| Headquarters State | OK | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 20 | 16 |
| Established | Oct. 25, 1900, midnight | March 7, 1867, 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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