Bank Comparison
Dysart State Bank vs Hartsburg State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 6
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| CET1 Ratio | 15.60% | — |
| Tier 1 Capital Ratio | 15.60% | — |
| Total Capital Ratio | 16.63% | — |
| Tier 1 Leverage Ratio | 11.06% | 11.35% |
| Equity / Assets | 11.07% | 8.86% |
Profitability
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.87% | 0.37% |
| Return on Equity (ROE) | 17.13% | 4.44% |
| Net Interest Margin (NIM) | 5.12% | 2.87% |
| Yield on Earning Assets | 5.89% | 3.20% |
| Cost of Funds | 0.71% | 0.35% |
Asset quality
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| Texas Ratio | 6.46% | 0.77% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 2.50% |
| ACL / Loans | 1.02% | 2.79% |
Balance sheet
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| Total Assets | $17,053K | $17,215K |
| Total Deposits | $13,751K | $15,623K |
| Total Loans | $12,227K | $5,868K |
| Total Equity | $1,888K | $1,526K |
| Net Income (quarter) | $80 | $17 |
Liquidity & funding
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.92% | 37.56% |
| Core Deposit Ratio | 100.00% | 96.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dysart State Bank | Hartsburg State Bank |
|---|---|---|
| Headquarters City | DYSART | HARTSBURG |
| Headquarters State | IA | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 3 |
| Established | Jan. 1, 1934, midnight | March 13, 1901, 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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