Bank Comparison
First Security Bank, the vs Peoples State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| CET1 Ratio | — | 13.08% |
| Tier 1 Capital Ratio | — | 13.08% |
| Total Capital Ratio | — | 13.89% |
| Tier 1 Leverage Ratio | 9.78% | 8.02% |
| Equity / Assets | 9.08% | 7.74% |
Profitability
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.94% |
| Return on Equity (ROE) | 7.97% | 11.73% |
| Net Interest Margin (NIM) | 5.68% | 4.24% |
| Yield on Earning Assets | 8.13% | 5.57% |
| Cost of Funds | 2.38% | 1.32% |
Asset quality
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| Texas Ratio | 9.14% | 1.28% |
| Non-Performing Loan Ratio | 0.17% | 0.08% |
| Non-Performing Asset Ratio | 0.22% | 0.06% |
| Net Charge-Off Ratio | 0.03% | 0.01% |
| ACL / Loans | 1.09% | 0.66% |
Balance sheet
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| Total Assets | $304,336K | $304,446K |
| Total Deposits | $267,405K | $279,349K |
| Total Loans | $264,268K | $217,988K |
| Total Equity | $27,634K | $23,576K |
| Net Income (quarter) | $493 | $683 |
Liquidity & funding
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.83% | 78.03% |
| Core Deposit Ratio | 79.16% | 91.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank, the | Peoples State Bank |
|---|---|---|
| Headquarters City | BEAVER | NEW LEXINGTON |
| Headquarters State | OK | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 31 | 56 |
| Established | Jan. 16, 1916, midnight | Feb. 15, 1932, 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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