Bank Comparison
First State Bank of Le Center vs Bank of Bozeman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| CET1 Ratio | 12.93% | 12.12% |
| Tier 1 Capital Ratio | 12.93% | 12.12% |
| Total Capital Ratio | 13.95% | 13.37% |
| Tier 1 Leverage Ratio | 10.67% | 10.20% |
| Equity / Assets | 10.46% | 9.70% |
Profitability
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 0.86% |
| Return on Equity (ROE) | 17.29% | 8.47% |
| Net Interest Margin (NIM) | 4.63% | 4.29% |
| Yield on Earning Assets | 5.75% | 6.14% |
| Cost of Funds | 1.22% | 2.01% |
Asset quality
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| Texas Ratio | 5.41% | 6.95% |
| Non-Performing Loan Ratio | 0.83% | 0.68% |
| Non-Performing Asset Ratio | 0.57% | 0.49% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.24% | 1.48% |
Balance sheet
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| Total Assets | $110,909K | $110,709K |
| Total Deposits | $92,872K | $98,196K |
| Total Loans | $76,138K | $79,701K |
| Total Equity | $11,600K | $10,738K |
| Net Income (quarter) | $509 | $227 |
Liquidity & funding
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| Loan-to-Deposit Ratio | 81.98% | 81.17% |
| Core Deposit Ratio | 92.55% | 86.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Le Center | Bank of Bozeman |
|---|---|---|
| Headquarters City | LE CENTER | BOZEMAN |
| Headquarters State | MN | MT |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 16 | 23 |
| Established | Jan. 1, 1902, midnight | April 15, 2005, 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.
View full First State Bank of Le Center profile | View full Bank of Bozeman profile | Browse all bank comparisons