Bank Comparison
Grant County Bank vs First State Bank, the
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 | Grant County Bank | First State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.57% | 13.86% |
| Equity / Assets | 15.04% | 13.48% |
Profitability
| Metric | Grant County Bank | First State Bank, the |
|---|---|---|
| Return on Assets (ROA) | -0.07% | 2.08% |
| Return on Equity (ROE) | -0.49% | 14.93% |
| Net Interest Margin (NIM) | 1.98% | 4.78% |
| Yield on Earning Assets | 3.89% | 6.70% |
| Cost of Funds | 2.15% | 2.17% |
Asset quality
| Metric | Grant County Bank | First State Bank, the |
|---|---|---|
| Texas Ratio | 0.67% | 6.19% |
| Non-Performing Loan Ratio | 0.16% | 1.13% |
| Non-Performing Asset Ratio | 0.03% | 0.91% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 3.40% | 1.64% |
Balance sheet
| Metric | Grant County Bank | First State Bank, the |
|---|---|---|
| Total Assets | $59,274K | $61,216K |
| Total Deposits | $50,007K | $52,926K |
| Total Loans | $11,321K | $49,375K |
| Total Equity | $8,912K | $8,254K |
| Net Income (quarter) | $-11 | $310 |
Liquidity & funding
| Metric | Grant County Bank | First State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 22.64% | 93.29% |
| Core Deposit Ratio | 74.30% | 94.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grant County Bank | First State Bank, the |
|---|---|---|
| Headquarters City | MEDFORD | POND CREEK |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 8 | 14 |
| Established | Jan. 1, 1895, midnight | Sept. 16, 1893, 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.
View full Grant County Bank profile | View full First State Bank, the profile | Browse all bank comparisons