Bank Comparison
Garfield County Bank vs West Plains Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.86% | 20.97% |
| Equity / Assets | 15.92% | 21.06% |
Profitability
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 0.60% |
| Return on Equity (ROE) | 8.74% | 2.87% |
| Net Interest Margin (NIM) | 4.09% | 2.99% |
| Yield on Earning Assets | 5.53% | 5.20% |
| Cost of Funds | 1.60% | 2.69% |
Asset quality
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| Texas Ratio | 19.57% | 17.06% |
| Non-Performing Loan Ratio | 0.98% | 3.48% |
| Non-Performing Asset Ratio | 0.46% | 2.60% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.51% | 1.28% |
Balance sheet
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| Total Assets | $99,274K | $98,911K |
| Total Deposits | $82,117K | $75,851K |
| Total Loans | $47,243K | $73,796K |
| Total Equity | $15,804K | $20,829K |
| Net Income (quarter) | $346 | $149 |
Liquidity & funding
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 57.53% | 97.29% |
| Core Deposit Ratio | 91.55% | 84.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Garfield County Bank | West Plains Savings and Loan Association |
|---|---|---|
| Headquarters City | JORDAN | WEST PLAINS |
| Headquarters State | MT | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 9 | 16 |
| Established | March 14, 1960, midnight | Jan. 1, 1919, 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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