Bank Comparison
First National Bank of Dighton, the vs Howard State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| CET1 Ratio | 20.73% | 15.90% |
| Tier 1 Capital Ratio | 20.73% | 15.90% |
| Total Capital Ratio | 21.83% | 17.02% |
| Tier 1 Leverage Ratio | 16.44% | 11.80% |
| Equity / Assets | 15.28% | 9.29% |
Profitability
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 2.63% |
| Return on Equity (ROE) | 8.38% | 30.27% |
| Net Interest Margin (NIM) | 3.52% | 4.91% |
| Yield on Earning Assets | 4.66% | 5.74% |
| Cost of Funds | 1.35% | 0.86% |
Asset quality
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| Texas Ratio | 10.21% | 4.75% |
| Non-Performing Loan Ratio | 2.31% | 0.73% |
| Non-Performing Asset Ratio | 1.62% | 0.48% |
| Net Charge-Off Ratio | 0.40% | 0.02% |
| ACL / Loans | 1.11% | 1.28% |
Balance sheet
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| Total Assets | $83,566K | $79,373K |
| Total Deposits | $67,779K | $70,840K |
| Total Loans | $58,597K | $52,618K |
| Total Equity | $12,771K | $7,372K |
| Net Income (quarter) | $265 | $535 |
Liquidity & funding
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.45% | 74.28% |
| Core Deposit Ratio | 98.86% | 97.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Dighton, the | Howard State Bank |
|---|---|---|
| Headquarters City | DIGHTON | HOWARD |
| Headquarters State | KS | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 9773 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 11 | 18 |
| Established | May 2, 1888, midnight | Aug. 30, 1877, 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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