Bank Comparison
Forward Bank vs Peoplessouth Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| CET1 Ratio | 11.28% | — |
| Tier 1 Capital Ratio | 12.24% | — |
| Total Capital Ratio | 13.20% | — |
| Tier 1 Leverage Ratio | 9.36% | 10.80% |
| Equity / Assets | 9.63% | 6.25% |
Profitability
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 1.67% |
| Return on Equity (ROE) | 9.93% | 26.57% |
| Net Interest Margin (NIM) | 4.34% | 4.03% |
| Yield on Earning Assets | 5.83% | 5.77% |
| Cost of Funds | 1.56% | 1.84% |
Asset quality
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| Texas Ratio | 8.01% | 20.85% |
| Non-Performing Loan Ratio | 0.97% | 1.97% |
| Non-Performing Asset Ratio | 0.72% | 1.48% |
| Net Charge-Off Ratio | 0.03% | -0.07% |
| ACL / Loans | 0.96% | 1.32% |
Balance sheet
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| Total Assets | $1,205M | $1,204M |
| Total Deposits | $1,001M | $1,120M |
| Total Loans | $892,709K | $839,117K |
| Total Equity | $116,087K | $75,330K |
| Net Income (quarter) | $2,746K | $4,892K |
Liquidity & funding
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.12% | 74.89% |
| Core Deposit Ratio | 94.37% | 84.68% |
| Uninsured Deposit Ratio | 32.15% | 20.92% |
Identity
| Metric | Forward Bank | Peoplessouth Bank |
|---|---|---|
| Headquarters City | MARSHFIELD | COLQUITT |
| Headquarters State | WI | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 15 | 33 |
| Employees (FTE) | 225 | 198 |
| Established | Jan. 1, 1919, midnight | Oct. 19, 1973, 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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