Bank Comparison
Connect Bank vs American Interstate Bank
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 | Connect Bank | American Interstate Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.16% | 19.52% |
| Equity / Assets | 12.11% | 19.79% |
Profitability
| Metric | Connect Bank | American Interstate Bank |
|---|---|---|
| Return on Assets (ROA) | 2.02% | 3.47% |
| Return on Equity (ROE) | 16.80% | 18.20% |
| Net Interest Margin (NIM) | 4.90% | 5.11% |
| Yield on Earning Assets | 6.34% | 5.56% |
| Cost of Funds | 1.62% | 0.54% |
Asset quality
| Metric | Connect Bank | American Interstate Bank |
|---|---|---|
| Texas Ratio | 1.83% | 0.00% |
| Non-Performing Loan Ratio | 0.40% | 0.00% |
| Non-Performing Asset Ratio | 0.25% | 0.00% |
| Net Charge-Off Ratio | 0.15% | 0.00% |
| ACL / Loans | 2.34% | 1.94% |
Balance sheet
| Metric | Connect Bank | American Interstate Bank |
|---|---|---|
| Total Assets | $128,062K | $127,844K |
| Total Deposits | $111,988K | $102,390K |
| Total Loans | $79,188K | $67,495K |
| Total Equity | $15,504K | $25,304K |
| Net Income (quarter) | $640 | $1,126K |
Liquidity & funding
| Metric | Connect Bank | American Interstate Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.71% | 65.92% |
| Core Deposit Ratio | 91.18% | 98.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Connect Bank | American Interstate Bank |
|---|---|---|
| Headquarters City | STAR CITY | ELKHORN |
| Headquarters State | AR | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 30 | 10 |
| Established | April 7, 1925, midnight | March 29, 1915, 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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