Bank Comparison
Farmers State Bank of Underwood vs Global Innovations Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| CET1 Ratio | 11.65% | 11.74% |
| Tier 1 Capital Ratio | 11.65% | 11.74% |
| Total Capital Ratio | 12.90% | 12.58% |
| Tier 1 Leverage Ratio | 8.81% | 8.44% |
| Equity / Assets | 7.77% | 7.94% |
Profitability
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| Return on Assets (ROA) | 1.75% | 0.80% |
| Return on Equity (ROE) | 21.58% | 9.61% |
| Net Interest Margin (NIM) | 4.81% | 3.52% |
| Yield on Earning Assets | 6.79% | 6.34% |
| Cost of Funds | 1.97% | 2.16% |
Asset quality
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| Texas Ratio | 1.99% | 15.31% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.32% | 0.88% |
Balance sheet
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| Total Assets | $111,995K | $111,309K |
| Total Deposits | $102,506K | $100,294K |
| Total Loans | $81,458K | $71,116K |
| Total Equity | $8,698K | $8,843K |
| Net Income (quarter) | $472 | $210 |
Liquidity & funding
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.47% | 70.91% |
| Core Deposit Ratio | 87.13% | 76.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank of Underwood | Global Innovations Bank |
|---|---|---|
| Headquarters City | UNDERWOOD | KIESTER |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 19 | 25 |
| Established | Dec. 1, 1915, midnight | Jan. 1, 1889, 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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