Bank Comparison
First Savings and Loan Association vs Montezuma State 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 Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| CET1 Ratio | 53.63% | — |
| Tier 1 Capital Ratio | 53.63% | — |
| Total Capital Ratio | 54.38% | — |
| Tier 1 Leverage Ratio | 24.02% | 14.34% |
| Equity / Assets | 24.01% | 13.88% |
Profitability
| Metric | First Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.30% | 1.61% |
| Return on Equity (ROE) | 1.26% | 11.35% |
| Net Interest Margin (NIM) | 2.51% | 3.91% |
| Yield on Earning Assets | 4.97% | 4.98% |
| Cost of Funds | 3.08% | 1.18% |
Asset quality
| Metric | First Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| Texas Ratio | 0.61% | 17.24% |
| Non-Performing Loan Ratio | 0.23% | 5.67% |
| Non-Performing Asset Ratio | 0.15% | 2.30% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 0.51% | 2.20% |
Balance sheet
| Metric | First Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| Total Assets | $55,588K | $55,824K |
| Total Deposits | $41,495K | $47,763K |
| Total Loans | $36,812K | $22,673K |
| Total Equity | $13,347K | $7,749K |
| Net Income (quarter) | $42 | $222 |
Liquidity & funding
| Metric | First Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.71% | 47.47% |
| Core Deposit Ratio | 81.85% | 92.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Savings and Loan Association | Montezuma State Bank |
|---|---|---|
| Headquarters City | MEBANE | MONTEZUMA |
| Headquarters State | NC | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 705224 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 5 |
| Established | Jan. 1, 1909, midnight | Jan. 10, 1891, 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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