Bank Comparison
First Independent Bank vs Bankvista
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| CET1 Ratio | 12.31% | 11.35% |
| Tier 1 Capital Ratio | 12.31% | 11.35% |
| Total Capital Ratio | 13.35% | 12.60% |
| Tier 1 Leverage Ratio | 9.89% | 9.85% |
| Equity / Assets | 9.30% | 9.49% |
Profitability
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 1.24% |
| Return on Equity (ROE) | 16.07% | 12.81% |
| Net Interest Margin (NIM) | 3.75% | 3.64% |
| Yield on Earning Assets | 5.49% | 6.14% |
| Cost of Funds | 1.90% | 2.73% |
Asset quality
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| Texas Ratio | 1.54% | 32.49% |
| Non-Performing Loan Ratio | 0.17% | 3.75% |
| Non-Performing Asset Ratio | 0.15% | 3.38% |
| Net Charge-Off Ratio | 0.00% | 0.55% |
| ACL / Loans | 1.16% | 1.40% |
Balance sheet
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| Total Assets | $634,126K | $646,727K |
| Total Deposits | $537,424K | $533,043K |
| Total Loans | $426,579K | $583,101K |
| Total Equity | $58,997K | $61,374K |
| Net Income (quarter) | $2,141K | $1,960K |
Liquidity & funding
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| Loan-to-Deposit Ratio | 79.37% | 109.39% |
| Core Deposit Ratio | 86.74% | 89.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Independent Bank | Bankvista |
|---|---|---|
| Headquarters City | RUSSELL | SARTELL |
| Headquarters State | MN | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 3 |
| Employees (FTE) | 86 | 68 |
| Established | Jan. 1, 1903, midnight | Feb. 15, 2000, 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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