Bank Comparison
Galion Building and Loan Bank, the vs Howard State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| CET1 Ratio | — | 15.90% |
| Tier 1 Capital Ratio | — | 15.90% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 11.08% | 11.80% |
| Equity / Assets | 10.86% | 9.29% |
Profitability
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.41% | 2.63% |
| Return on Equity (ROE) | 3.82% | 30.27% |
| Net Interest Margin (NIM) | 3.32% | 4.91% |
| Yield on Earning Assets | 4.85% | 5.74% |
| Cost of Funds | 1.68% | 0.86% |
Asset quality
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| Texas Ratio | 3.51% | 4.75% |
| Non-Performing Loan Ratio | 0.58% | 0.73% |
| Non-Performing Asset Ratio | 0.40% | 0.48% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 0.64% | 1.28% |
Balance sheet
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| Total Assets | $79,489K | $79,373K |
| Total Deposits | $64,343K | $70,840K |
| Total Loans | $54,630K | $52,618K |
| Total Equity | $8,633K | $7,372K |
| Net Income (quarter) | $82 | $535 |
Liquidity & funding
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.90% | 74.28% |
| Core Deposit Ratio | 94.79% | 97.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Galion Building and Loan Bank, the | Howard State Bank |
|---|---|---|
| Headquarters City | GALION | HOWARD |
| Headquarters State | OH | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 15 | 18 |
| Established | Feb. 13, 1884, midnight | Aug. 30, 1877, 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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