Bank Comparison
First State Bank of Fountain, the vs First Security Bank-Hendricks
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| CET1 Ratio | 16.36% | 29.99% |
| Tier 1 Capital Ratio | 16.36% | 29.99% |
| Total Capital Ratio | 17.25% | 30.86% |
| Tier 1 Leverage Ratio | 8.17% | 13.63% |
| Equity / Assets | 5.67% | 11.16% |
Profitability
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| Return on Assets (ROA) | 0.11% | 1.65% |
| Return on Equity (ROE) | 1.86% | 15.00% |
| Net Interest Margin (NIM) | 2.24% | 3.47% |
| Yield on Earning Assets | 3.61% | 4.53% |
| Cost of Funds | 1.42% | 1.19% |
Asset quality
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| 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 | -0.81% | 0.00% |
| ACL / Loans | 1.67% | 1.11% |
Balance sheet
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| Total Assets | $41,032K | $40,319K |
| Total Deposits | $38,589K | $35,727K |
| Total Loans | $10,583K | $14,819K |
| Total Equity | $2,326K | $4,501K |
| Net Income (quarter) | $11 | $174 |
Liquidity & funding
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| Loan-to-Deposit Ratio | 27.42% | 41.48% |
| Core Deposit Ratio | 93.18% | 95.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Fountain, the | First Security Bank-Hendricks |
|---|---|---|
| Headquarters City | FOUNTAIN | Hendricks |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 6 |
| Established | Jan. 1, 1901, midnight | Aug. 30, 1940, 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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