Bank Comparison
Currie State Bank vs First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| CET1 Ratio | — | 20.04% |
| Tier 1 Capital Ratio | — | 20.04% |
| Total Capital Ratio | — | 21.30% |
| Tier 1 Leverage Ratio | 10.44% | 9.68% |
| Equity / Assets | 10.60% | 5.89% |
Profitability
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 0.66% |
| Return on Equity (ROE) | 11.38% | 11.77% |
| Net Interest Margin (NIM) | 4.51% | 3.13% |
| Yield on Earning Assets | 6.61% | 4.70% |
| Cost of Funds | 2.27% | 1.69% |
Asset quality
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| Texas Ratio | 7.90% | 19.54% |
| Non-Performing Loan Ratio | 1.06% | 2.37% |
| Non-Performing Asset Ratio | 0.95% | 0.93% |
| Net Charge-Off Ratio | 0.00% | -0.20% |
| ACL / Loans | 1.56% | 2.33% |
Balance sheet
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| Total Assets | $97,719K | $97,619K |
| Total Deposits | $86,200K | $91,639K |
| Total Loans | $87,231K | $38,158K |
| Total Equity | $10,355K | $5,754K |
| Net Income (quarter) | $305 | $165 |
Liquidity & funding
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.20% | 41.64% |
| Core Deposit Ratio | 91.29% | 87.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Currie State Bank | First National Bank |
|---|---|---|
| Headquarters City | CURRIE | ROTAN |
| Headquarters State | MN | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 23182 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 18 | 14 |
| Established | Feb. 1, 1931, midnight | April 1, 1997, 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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