Bank Comparison
Deerwood Bank vs Alma Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| CET1 Ratio | 11.49% | 11.83% |
| Tier 1 Capital Ratio | 11.49% | 11.83% |
| Total Capital Ratio | 12.33% | 13.09% |
| Tier 1 Leverage Ratio | 8.08% | 10.25% |
| Equity / Assets | 8.46% | 10.12% |
Profitability
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 0.63% |
| Return on Equity (ROE) | 20.29% | 6.13% |
| Net Interest Margin (NIM) | 4.02% | 3.67% |
| Yield on Earning Assets | 5.52% | 5.88% |
| Cost of Funds | 1.55% | 2.39% |
Asset quality
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| Texas Ratio | 10.28% | 14.23% |
| Non-Performing Loan Ratio | 0.99% | 1.83% |
| Non-Performing Asset Ratio | 0.82% | 1.67% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 0.89% | 1.95% |
Balance sheet
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| Total Assets | $1,557M | $1,548M |
| Total Deposits | $1,421M | $1,291M |
| Total Loans | $923,796K | $1,320M |
| Total Equity | $131,845K | $156,641K |
| Net Income (quarter) | $6,621K | $2,390K |
Liquidity & funding
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 64.97% | 102.22% |
| Core Deposit Ratio | 97.41% | 93.83% |
| Uninsured Deposit Ratio | 45.18% | 35.18% |
Identity
| Metric | Deerwood Bank | Alma Bank |
|---|---|---|
| Headquarters City | WAITE PARK | ASTORIA |
| Headquarters State | MN | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 14 | 13 |
| Employees (FTE) | 196 | 173 |
| Established | March 21, 1910, midnight | Sept. 12, 2007, 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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