Bank Comparison
First Bank Blue Earth vs Ultima Bank Minnesota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.52% | 10.73% |
| Equity / Assets | 7.14% | 10.75% |
Profitability
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| Return on Assets (ROA) | 0.06% | 1.65% |
| Return on Equity (ROE) | 0.89% | 14.84% |
| Net Interest Margin (NIM) | 2.34% | 5.09% |
| Yield on Earning Assets | 4.72% | 7.49% |
| Cost of Funds | 2.50% | 2.60% |
Asset quality
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| Texas Ratio | 8.34% | 1.51% |
| Non-Performing Loan Ratio | 1.06% | 0.14% |
| Non-Performing Asset Ratio | 0.67% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.39% | 0.93% |
Balance sheet
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| Total Assets | $321,164K | $319,057K |
| Total Deposits | $281,756K | $280,647K |
| Total Loans | $202,564K | $298,694K |
| Total Equity | $22,922K | $34,296K |
| Net Income (quarter) | $51 | $1,300K |
Liquidity & funding
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| Loan-to-Deposit Ratio | 71.89% | 106.43% |
| Core Deposit Ratio | 94.19% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank Blue Earth | Ultima Bank Minnesota |
|---|---|---|
| Headquarters City | BLUE EARTH | WINGER |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 6 |
| Employees (FTE) | 34 | 53 |
| Established | Jan. 1, 1869, midnight | Jan. 1, 1904, 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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