Bank Comparison
Grand Rapids State Bank vs Wyoming Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.68% | 9.36% |
| Equity / Assets | 8.88% | 7.84% |
Profitability
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.82% | 1.49% |
| Return on Equity (ROE) | 20.43% | 19.51% |
| Net Interest Margin (NIM) | 5.30% | 4.14% |
| Yield on Earning Assets | 5.79% | 5.66% |
| Cost of Funds | 0.51% | 1.62% |
Asset quality
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| Texas Ratio | 0.58% | 5.85% |
| Non-Performing Loan Ratio | 0.09% | 0.77% |
| Non-Performing Asset Ratio | 0.05% | 0.51% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.70% | 1.40% |
Balance sheet
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| Total Assets | $257,125K | $256,941K |
| Total Deposits | $231,643K | $230,448K |
| Total Loans | $147,340K | $161,527K |
| Total Equity | $22,832K | $20,157K |
| Net Income (quarter) | $1,163K | $980 |
Liquidity & funding
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.61% | 70.09% |
| Core Deposit Ratio | 97.28% | 92.79% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grand Rapids State Bank | Wyoming Community Bank |
|---|---|---|
| Headquarters City | GRAND RAPIDS | RIVERTON |
| Headquarters State | MN | WY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 43 | 39 |
| Established | June 15, 1914, midnight | June 14, 1999, 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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