Bank Comparison
First State Bank, the vs Unico Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| CET1 Ratio | — | 11.73% |
| Tier 1 Capital Ratio | — | 11.73% |
| Total Capital Ratio | — | 12.91% |
| Tier 1 Leverage Ratio | 12.54% | 8.86% |
| Equity / Assets | 10.54% | 8.64% |
Profitability
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.13% |
| Return on Equity (ROE) | 17.75% | 13.18% |
| Net Interest Margin (NIM) | 4.08% | 4.32% |
| Yield on Earning Assets | 5.55% | 6.19% |
| Cost of Funds | 1.58% | 1.98% |
Asset quality
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| Texas Ratio | 1.45% | 21.93% |
| Non-Performing Loan Ratio | 0.14% | 2.43% |
| Non-Performing Asset Ratio | 0.09% | 2.00% |
| Net Charge-Off Ratio | 0.19% | 0.25% |
| ACL / Loans | 1.79% | 1.07% |
Balance sheet
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| Total Assets | $498,476K | $497,269K |
| Total Deposits | $430,733K | $449,846K |
| Total Loans | $293,245K | $407,719K |
| Total Equity | $52,545K | $42,982K |
| Net Income (quarter) | $2,302K | $1,420K |
Liquidity & funding
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.08% | 90.64% |
| Core Deposit Ratio | 91.62% | 92.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | Unico Bank |
|---|---|---|
| Headquarters City | NORTON | MINERAL POINT |
| Headquarters State | KS | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 15 |
| Employees (FTE) | 68 | 116 |
| Established | April 21, 1902, midnight | Jan. 1, 1901, 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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