Bank Comparison
First Security Bank-Hendricks vs State Bank of Jeffers
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| CET1 Ratio | 29.99% | 18.37% |
| Tier 1 Capital Ratio | 29.99% | 18.37% |
| Total Capital Ratio | 30.86% | 19.27% |
| Tier 1 Leverage Ratio | 13.63% | 13.58% |
| Equity / Assets | 11.16% | 13.26% |
Profitability
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 2.51% |
| Return on Equity (ROE) | 15.00% | 18.91% |
| Net Interest Margin (NIM) | 3.47% | 4.33% |
| Yield on Earning Assets | 4.53% | 5.29% |
| Cost of Funds | 1.19% | 1.11% |
Asset quality
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| 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% | -1.63% |
| ACL / Loans | 1.11% | 1.24% |
Balance sheet
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| Total Assets | $40,319K | $39,845K |
| Total Deposits | $35,727K | $34,228K |
| Total Loans | $14,819K | $20,710K |
| Total Equity | $4,501K | $5,282K |
| Net Income (quarter) | $174 | $244 |
Liquidity & funding
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| Loan-to-Deposit Ratio | 41.48% | 60.51% |
| Core Deposit Ratio | 95.13% | 94.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank-Hendricks | State Bank of Jeffers |
|---|---|---|
| Headquarters City | Hendricks | JEFFERS |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 4 |
| Established | Aug. 30, 1940, midnight | June 27, 1900, 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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