Bank Comparison
Golden Bank, N.A. vs Central Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| CET1 Ratio | 15.25% | 10.51% |
| Tier 1 Capital Ratio | 15.25% | 10.51% |
| Total Capital Ratio | 16.50% | 11.46% |
| Tier 1 Leverage Ratio | 13.43% | 9.99% |
| Equity / Assets | 13.30% | 10.35% |
Profitability
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 0.84% |
| Return on Equity (ROE) | 11.28% | 8.11% |
| Net Interest Margin (NIM) | 3.62% | 3.47% |
| Yield on Earning Assets | 6.36% | 5.54% |
| Cost of Funds | 3.17% | 2.23% |
Asset quality
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| Texas Ratio | 13.36% | 4.26% |
| Non-Performing Loan Ratio | 2.25% | 0.19% |
| Non-Performing Asset Ratio | 1.92% | 0.17% |
| Net Charge-Off Ratio | -0.12% | 0.00% |
| ACL / Loans | 1.30% | 1.01% |
Balance sheet
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| Total Assets | $2,248M | $2,249M |
| Total Deposits | $1,886M | $1,887M |
| Total Loans | $1,911M | $1,974M |
| Total Equity | $299,026K | $232,844K |
| Net Income (quarter) | $8,319K | $4,702K |
Liquidity & funding
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.30% | 104.63% |
| Core Deposit Ratio | 71.94% | 86.37% |
| Uninsured Deposit Ratio | 21.42% | 25.77% |
Identity
| Metric | Golden Bank, N.A. | Central Bank |
|---|---|---|
| Headquarters City | HOUSTON | STORM LAKE |
| Headquarters State | TX | IA |
| Asset Tier | Large | Large |
| Charter Class | 18558 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 11 | 23 |
| Employees (FTE) | 149 | 311 |
| Established | May 3, 1985, midnight | Jan. 1, 1879, 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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