Bank Comparison
First National Bank of Aspermont, the vs Iuka State Bank, the
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 Aspermont, the | Iuka State Bank, the |
|---|---|---|
| CET1 Ratio | 15.95% | — |
| Tier 1 Capital Ratio | 15.95% | — |
| Total Capital Ratio | 16.78% | — |
| Tier 1 Leverage Ratio | 8.84% | 9.96% |
| Equity / Assets | 3.89% | 9.58% |
Profitability
| Metric | First National Bank of Aspermont, the | Iuka State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 0.83% |
| Return on Equity (ROE) | 27.81% | 9.12% |
| Net Interest Margin (NIM) | 3.01% | 4.23% |
| Yield on Earning Assets | 4.41% | 6.41% |
| Cost of Funds | 1.35% | 2.40% |
Asset quality
| Metric | First National Bank of Aspermont, the | Iuka State Bank, the |
|---|---|---|
| Texas Ratio | 2.77% | 55.78% |
| Non-Performing Loan Ratio | 0.32% | 7.25% |
| Non-Performing Asset Ratio | 0.11% | 6.23% |
| Net Charge-Off Ratio | 0.00% | 1.00% |
| ACL / Loans | 1.23% | 2.85% |
Balance sheet
| Metric | First National Bank of Aspermont, the | Iuka State Bank, the |
|---|---|---|
| Total Assets | $136,438K | $136,216K |
| Total Deposits | $130,617K | $115,767K |
| Total Loans | $47,657K | $115,836K |
| Total Equity | $5,309K | $13,047K |
| Net Income (quarter) | $371 | $294 |
Liquidity & funding
| Metric | First National Bank of Aspermont, the | Iuka State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 36.49% | 100.06% |
| Core Deposit Ratio | 95.35% | 90.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Aspermont, the | Iuka State Bank, the |
|---|---|---|
| Headquarters City | ASPERMONT | SALEM |
| Headquarters State | TX | IL |
| Asset Tier | Small | Small |
| Charter Class | 5786 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 15 | 31 |
| Established | April 21, 1901, midnight | Dec. 10, 1910, 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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