Bank Comparison
First State Bank of Harvey vs Community Bank Owatonna
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| CET1 Ratio | — | 11.08% |
| Tier 1 Capital Ratio | — | 11.08% |
| Total Capital Ratio | — | 12.04% |
| Tier 1 Leverage Ratio | 10.24% | 8.49% |
| Equity / Assets | 7.70% | 6.90% |
Profitability
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| Return on Assets (ROA) | 0.97% | 0.88% |
| Return on Equity (ROE) | 12.51% | 12.14% |
| Net Interest Margin (NIM) | 2.85% | 3.47% |
| Yield on Earning Assets | 4.09% | 5.63% |
| Cost of Funds | 1.33% | 2.22% |
Asset quality
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| Texas Ratio | 5.73% | 3.68% |
| Non-Performing Loan Ratio | 0.00% | 0.38% |
| Non-Performing Asset Ratio | 0.00% | 0.28% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.25% | 0.94% |
Balance sheet
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| Total Assets | $100,416K | $100,432K |
| Total Deposits | $91,904K | $92,239K |
| Total Loans | $31,794K | $73,403K |
| Total Equity | $7,736K | $6,933K |
| Net Income (quarter) | $244 | $209 |
Liquidity & funding
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| Loan-to-Deposit Ratio | 34.59% | 79.58% |
| Core Deposit Ratio | 93.56% | 79.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Harvey | Community Bank Owatonna |
|---|---|---|
| Headquarters City | HARVEY | OWATONNA |
| Headquarters State | ND | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 15 | 13 |
| Established | June 5, 1913, midnight | Jan. 13, 2003, 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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