Bank Comparison
First Federal Savings Bank vs Grand Ridge National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.49% | 13.53% |
| Equity / Assets | 10.53% | 13.71% |
Profitability
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 1.67% |
| Return on Equity (ROE) | 3.19% | 12.31% |
| Net Interest Margin (NIM) | 2.91% | 5.30% |
| Yield on Earning Assets | 4.70% | 7.24% |
| Cost of Funds | 1.93% | 2.16% |
Asset quality
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| Texas Ratio | 11.53% | 3.03% |
| Non-Performing Loan Ratio | 1.90% | 0.56% |
| Non-Performing Asset Ratio | 1.31% | 0.43% |
| Net Charge-Off Ratio | -0.09% | -0.02% |
| ACL / Loans | 1.25% | 1.07% |
Balance sheet
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| Total Assets | $425,882K | $427,470K |
| Total Deposits | $329,401K | $365,687K |
| Total Loans | $294,959K | $331,756K |
| Total Equity | $44,841K | $58,610K |
| Net Income (quarter) | $356 | $1,777K |
Liquidity & funding
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.54% | 90.72% |
| Core Deposit Ratio | 94.24% | 86.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings Bank | Grand Ridge National Bank |
|---|---|---|
| Headquarters City | OTTAWA | WHEATON |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 702631 | 6684 |
| Regulator | OCC | OCC |
| Domestic Branches | 11 | 2 |
| Employees (FTE) | 95 | 38 |
| Established | Jan. 1, 1889, midnight | April 6, 1903, 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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