Bank Comparison
Great Southern Bank vs Clare Bank, N.A.
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 | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| CET1 Ratio | 20.43% | — |
| Tier 1 Capital Ratio | 20.43% | — |
| Total Capital Ratio | 21.02% | — |
| Tier 1 Leverage Ratio | 9.69% | 11.29% |
| Equity / Assets | 7.64% | 8.88% |
Profitability
| Metric | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.62% | 0.93% |
| Return on Equity (ROE) | 8.13% | 11.01% |
| Net Interest Margin (NIM) | 3.30% | 2.32% |
| Yield on Earning Assets | 4.20% | 3.94% |
| Cost of Funds | 0.95% | 1.82% |
Asset quality
| Metric | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| Texas Ratio | 6.72% | 3.90% |
| Non-Performing Loan Ratio | 0.45% | 0.70% |
| Non-Performing Asset Ratio | 0.48% | 0.35% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.65% | 0.47% |
Balance sheet
| Metric | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| Total Assets | $342,752K | $342,755K |
| Total Deposits | $310,085K | $286,713K |
| Total Loans | $144,767K | $172,951K |
| Total Equity | $26,179K | $30,439K |
| Net Income (quarter) | $535 | $831 |
Liquidity & funding
| Metric | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 46.69% | 60.32% |
| Core Deposit Ratio | 95.41% | 97.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Great Southern Bank | Clare Bank, N.A. |
|---|---|---|
| Headquarters City | MERIDIAN | PLATTEVILLE |
| Headquarters State | MS | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15649 |
| Regulator | FED | OCC |
| Domestic Branches | 11 | 8 |
| Employees (FTE) | 95 | 39 |
| Established | March 2, 1902, midnight | Oct. 28, 1905, 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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