Bank Comparison
Firstar Bank vs Bennington State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| CET1 Ratio | 12.09% | 15.34% |
| Tier 1 Capital Ratio | 12.09% | 15.34% |
| Total Capital Ratio | 13.12% | 16.60% |
| Tier 1 Leverage Ratio | 9.21% | 10.83% |
| Equity / Assets | 10.70% | 10.20% |
Profitability
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.61% | 2.40% |
| Return on Equity (ROE) | 14.74% | 23.10% |
| Net Interest Margin (NIM) | 4.88% | 3.93% |
| Yield on Earning Assets | 6.63% | 5.67% |
| Cost of Funds | 1.88% | 1.88% |
Asset quality
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| Texas Ratio | 6.49% | 1.82% |
| Non-Performing Loan Ratio | 0.58% | 0.13% |
| Non-Performing Asset Ratio | 0.57% | 0.08% |
| Net Charge-Off Ratio | 0.05% | -0.01% |
| ACL / Loans | 0.95% | 2.14% |
Balance sheet
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| Total Assets | $1,253M | $1,249M |
| Total Deposits | $1,107M | $1,056M |
| Total Loans | $878,343K | $828,208K |
| Total Equity | $134,178K | $127,540K |
| Net Income (quarter) | $4,825K | $7,288K |
Liquidity & funding
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 79.29% | 78.41% |
| Core Deposit Ratio | 90.94% | 95.79% |
| Uninsured Deposit Ratio | 31.00% | 37.97% |
Identity
| Metric | Firstar Bank | Bennington State Bank, the |
|---|---|---|
| Headquarters City | SALLISAW | SALINA |
| Headquarters State | OK | KS |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 15 |
| Employees (FTE) | 214 | 147 |
| Established | Nov. 19, 1964, midnight | Jan. 1, 1884, 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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