Bank Comparison
First National Bank of Primghar, the vs Five Rivers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 5
winning metrics across 15 comparable rows
Capital adequacy
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| CET1 Ratio | 15.81% | — |
| Tier 1 Capital Ratio | 15.81% | — |
| Total Capital Ratio | 16.71% | — |
| Tier 1 Leverage Ratio | 13.76% | 79.89% |
| Equity / Assets | 13.68% | 75.14% |
Profitability
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| Return on Assets (ROA) | 0.78% | -10.16% |
| Return on Equity (ROE) | 5.75% | -12.52% |
| Net Interest Margin (NIM) | 3.51% | 3.27% |
| Yield on Earning Assets | 5.45% | 3.83% |
| Cost of Funds | 2.16% | 2.76% |
Asset quality
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.08% | 1.15% |
Balance sheet
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| Total Assets | $37,940K | $37,929K |
| Total Deposits | $30,915K | $8,568K |
| Total Loans | $27,815K | $3,222K |
| Total Equity | $5,190K | $28,498K |
| Net Income (quarter) | $74 | $-906 |
Liquidity & funding
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.97% | 37.61% |
| Core Deposit Ratio | 76.14% | 57.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Primghar, the | Five Rivers Bank |
|---|---|---|
| Headquarters City | PRIMGHAR | PARAMUS |
| Headquarters State | IA | NJ |
| Asset Tier | Micro | Micro |
| Charter Class | 4155 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 7 | 15 |
| Established | Nov. 11, 1889, midnight | May 12, 2025, 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.
View full First National Bank of Primghar, the profile | View full Five Rivers Bank profile | Browse all bank comparisons