Bank Comparison
Denver Savings Bank vs First Pioneer National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.64% | 12.44% |
| Equity / Assets | 10.02% | 11.50% |
Profitability
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.68% | 0.99% |
| Return on Equity (ROE) | 6.78% | 8.46% |
| Net Interest Margin (NIM) | 3.22% | 3.11% |
| Yield on Earning Assets | 5.54% | 4.77% |
| Cost of Funds | 2.49% | 1.83% |
Asset quality
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 11.95% |
| Non-Performing Loan Ratio | 0.00% | 2.71% |
| Non-Performing Asset Ratio | 0.00% | 1.44% |
| Net Charge-Off Ratio | 0.03% | 0.22% |
| ACL / Loans | 1.05% | 1.05% |
Balance sheet
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| Total Assets | $252,547K | $252,579K |
| Total Deposits | $189,605K | $212,924K |
| Total Loans | $174,481K | $134,416K |
| Total Equity | $25,316K | $29,054K |
| Net Income (quarter) | $428 | $613 |
Liquidity & funding
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.02% | 63.13% |
| Core Deposit Ratio | 87.83% | 84.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Denver Savings Bank | First Pioneer National Bank |
|---|---|---|
| Headquarters City | DENVER | WRAY |
| Headquarters State | IA | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 8752 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 29 | 27 |
| Established | Jan. 1, 1902, midnight | July 1, 1902, 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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