Bank Comparison
First National Bank of Anderson, the vs Home State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| CET1 Ratio | — | 15.46% |
| Tier 1 Capital Ratio | — | 15.46% |
| Total Capital Ratio | — | 16.27% |
| Tier 1 Leverage Ratio | 11.27% | 11.85% |
| Equity / Assets | 11.63% | 7.20% |
Profitability
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.17% | 1.13% |
| Return on Equity (ROE) | 10.64% | 15.49% |
| Net Interest Margin (NIM) | 4.09% | 3.86% |
| Yield on Earning Assets | 5.38% | 4.86% |
| Cost of Funds | 1.42% | 1.08% |
Asset quality
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| Texas Ratio | 9.95% | 0.09% |
| Non-Performing Loan Ratio | 1.97% | 0.01% |
| Non-Performing Asset Ratio | 1.24% | 0.01% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 1.41% | 1.14% |
Balance sheet
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| Total Assets | $223,921K | $223,679K |
| Total Deposits | $197,446K | $197,877K |
| Total Loans | $141,281K | $121,764K |
| Total Equity | $26,031K | $16,099K |
| Net Income (quarter) | $686 | $629 |
Liquidity & funding
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.55% | 61.54% |
| Core Deposit Ratio | 89.89% | 95.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Anderson, the | Home State Bank |
|---|---|---|
| Headquarters City | ANDERSON | LITCHFIELD |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 7337 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 48 | 41 |
| Established | July 5, 1904, midnight | March 23, 1926, 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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