Bank Comparison
First & Peoples Bank and Trust Company vs Badger Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.18% | 11.97% |
| Equity / Assets | 7.43% | 10.66% |
Profitability
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| Return on Assets (ROA) | -0.53% | 1.28% |
| Return on Equity (ROE) | -7.24% | 12.11% |
| Net Interest Margin (NIM) | 2.75% | 3.52% |
| Yield on Earning Assets | 3.75% | 4.93% |
| Cost of Funds | 1.05% | 1.54% |
Asset quality
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| Texas Ratio | 77.02% | 13.84% |
| Non-Performing Loan Ratio | 17.15% | 2.26% |
| Non-Performing Asset Ratio | 7.32% | 1.54% |
| Net Charge-Off Ratio | -2.53% | 0.00% |
| ACL / Loans | 4.89% | 1.04% |
Balance sheet
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| Total Assets | $209,287K | $208,831K |
| Total Deposits | $193,086K | $172,949K |
| Total Loans | $89,373K | $142,006K |
| Total Equity | $15,545K | $22,252K |
| Net Income (quarter) | $-292 | $668 |
Liquidity & funding
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 46.29% | 82.11% |
| Core Deposit Ratio | 95.91% | 91.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First & Peoples Bank and Trust Company | Badger Bank |
|---|---|---|
| Headquarters City | RUSSELL | FORT ATKINSON |
| Headquarters State | KY | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 49 | 38 |
| Established | Feb. 28, 1932, midnight | Jan. 7, 1884, 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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