Bank Comparison
First National Bank of Spearville vs Butte State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 5
winning metrics across 18 comparable rows
Capital adequacy
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 10.66% |
| Equity / Assets | 13.56% | 9.03% |
Profitability
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.69% | 0.72% |
| Return on Equity (ROE) | 13.27% | 7.55% |
| Net Interest Margin (NIM) | 4.06% | 3.92% |
| Yield on Earning Assets | 5.62% | 5.54% |
| Cost of Funds | 1.32% | 1.67% |
Asset quality
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 3.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.63% | 1.07% |
Balance sheet
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| Total Assets | $58,430K | $58,404K |
| Total Deposits | $50,196K | $50,876K |
| Total Loans | $31,262K | $36,739K |
| Total Equity | $7,926K | $5,275K |
| Net Income (quarter) | $262 | $105 |
Liquidity & funding
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.28% | 72.21% |
| Core Deposit Ratio | 96.56% | 96.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Spearville | Butte State Bank |
|---|---|---|
| Headquarters City | SPEARVILLE | Butte |
| Headquarters State | KS | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 10161 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 6 | 8 |
| Established | Feb. 18, 1908, midnight | Jan. 1, 1944, 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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