Bank Comparison
Decatur County Bank vs Security Bank Midwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| CET1 Ratio | 11.41% | — |
| Tier 1 Capital Ratio | 11.41% | — |
| Total Capital Ratio | 12.42% | — |
| Tier 1 Leverage Ratio | 9.10% | 10.27% |
| Equity / Assets | 8.36% | 9.02% |
Profitability
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.94% |
| Return on Equity (ROE) | 11.49% | 10.54% |
| Net Interest Margin (NIM) | 3.90% | 3.54% |
| Yield on Earning Assets | 6.12% | 5.63% |
| Cost of Funds | 2.35% | 2.12% |
Asset quality
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| Texas Ratio | 3.06% | 6.92% |
| Non-Performing Loan Ratio | 0.35% | 0.68% |
| Non-Performing Asset Ratio | 0.28% | 0.45% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.00% | 1.38% |
Balance sheet
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| Total Assets | $321,233K | $321,873K |
| Total Deposits | $291,194K | $246,127K |
| Total Loans | $253,567K | $213,902K |
| Total Equity | $26,852K | $29,022K |
| Net Income (quarter) | $769 | $752 |
Liquidity & funding
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| Loan-to-Deposit Ratio | 87.08% | 86.91% |
| Core Deposit Ratio | 89.33% | 92.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Decatur County Bank | Security Bank Midwest |
|---|---|---|
| Headquarters City | DECATURVILLE | TYNDALL |
| Headquarters State | TN | SD |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 54 | 33 |
| Established | Nov. 16, 1899, midnight | Nov. 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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