Bank Comparison
First Community Bank and Trust vs Valley State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.31% | 12.23% |
| Equity / Assets | 12.88% | 11.34% |
Profitability
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.72% | 0.71% |
| Return on Equity (ROE) | 13.39% | 6.29% |
| Net Interest Margin (NIM) | 4.52% | 4.04% |
| Yield on Earning Assets | 5.49% | 5.41% |
| Cost of Funds | 1.07% | 1.56% |
Asset quality
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| Texas Ratio | 6.81% | 1.50% |
| Non-Performing Loan Ratio | 0.00% | 0.27% |
| Non-Performing Asset Ratio | 0.91% | 0.18% |
| Net Charge-Off Ratio | -0.18% | 0.26% |
| ACL / Loans | 0.96% | 1.14% |
Balance sheet
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| Total Assets | $202,541K | $202,483K |
| Total Deposits | $170,908K | $175,358K |
| Total Loans | $101,350K | $109,156K |
| Total Equity | $26,090K | $22,958K |
| Net Income (quarter) | $880 | $360 |
Liquidity & funding
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 59.30% | 62.25% |
| Core Deposit Ratio | 97.40% | 88.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Community Bank and Trust | Valley State Bank, the |
|---|---|---|
| Headquarters City | BEECHER | BELLE PLAINE |
| Headquarters State | IL | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 29 | 36 |
| Established | Nov. 16, 1916, midnight | Jan. 1, 1897, 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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