Bank Comparison
First State Bank vs Lasalle State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| CET1 Ratio | — | 16.73% |
| Tier 1 Capital Ratio | — | 16.73% |
| Total Capital Ratio | — | 17.84% |
| Tier 1 Leverage Ratio | 13.66% | 9.00% |
| Equity / Assets | 13.08% | 6.14% |
Profitability
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.28% | 0.49% |
| Return on Equity (ROE) | 17.19% | 8.21% |
| Net Interest Margin (NIM) | 3.85% | 2.72% |
| Yield on Earning Assets | 4.93% | 4.35% |
| Cost of Funds | 1.23% | 1.73% |
Asset quality
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| Texas Ratio | 5.71% | 14.98% |
| Non-Performing Loan Ratio | 2.24% | 2.18% |
| Non-Performing Asset Ratio | 0.78% | 1.01% |
| Net Charge-Off Ratio | 0.56% | 0.00% |
| ACL / Loans | 1.99% | 1.27% |
Balance sheet
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| Total Assets | $184,624K | $184,593K |
| Total Deposits | $158,679K | $154,148K |
| Total Loans | $58,795K | $85,436K |
| Total Equity | $24,155K | $11,327K |
| Net Income (quarter) | $1,029K | $232 |
Liquidity & funding
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 37.05% | 55.42% |
| Core Deposit Ratio | 82.49% | 79.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank | Lasalle State Bank |
|---|---|---|
| Headquarters City | PAINT ROCK | LASALLE |
| Headquarters State | TX | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 14 | 28 |
| Established | Jan. 1, 1910, midnight | Aug. 21, 1894, 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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