Bank Comparison
First State Bank of Olmsted vs Heartland State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.30% | 9.86% |
| Equity / Assets | 12.25% | 8.59% |
Profitability
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.22% | 0.45% |
| Return on Equity (ROE) | 10.03% | 5.18% |
| Net Interest Margin (NIM) | 3.66% | 2.93% |
| Yield on Earning Assets | 5.07% | 4.61% |
| Cost of Funds | 1.57% | 1.71% |
Asset quality
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| Texas Ratio | 11.72% | 14.20% |
| Non-Performing Loan Ratio | 1.85% | 3.46% |
| Non-Performing Asset Ratio | 1.21% | 1.30% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.93% | 1.53% |
Balance sheet
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| Total Assets | $77,512K | $77,594K |
| Total Deposits | $67,589K | $70,449K |
| Total Loans | $50,692K | $29,222K |
| Total Equity | $9,497K | $6,663K |
| Net Income (quarter) | $236 | $86 |
Liquidity & funding
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.00% | 41.48% |
| Core Deposit Ratio | 93.61% | 90.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Olmsted | Heartland State Bank |
|---|---|---|
| Headquarters City | OLMSTED | EDGELEY |
| Headquarters State | IL | ND |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 16 | 11 |
| Established | Nov. 7, 1921, midnight | Jan. 1, 1921, 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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