Bank Comparison
Grundy Bank vs Sandhills State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| CET1 Ratio | 22.07% | 11.10% |
| Tier 1 Capital Ratio | 22.07% | 11.10% |
| Total Capital Ratio | 23.32% | 12.16% |
| Tier 1 Leverage Ratio | 13.53% | 8.38% |
| Equity / Assets | 14.19% | 8.89% |
Profitability
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| Return on Assets (ROA) | 3.38% | 1.59% |
| Return on Equity (ROE) | 23.65% | 17.84% |
| Net Interest Margin (NIM) | 4.98% | 3.98% |
| Yield on Earning Assets | 5.63% | 5.39% |
| Cost of Funds | 0.73% | 1.44% |
Asset quality
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| Texas Ratio | 0.24% | 1.19% |
| Non-Performing Loan Ratio | 0.05% | 0.13% |
| Non-Performing Asset Ratio | 0.03% | 0.09% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.15% | 1.13% |
Balance sheet
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| Total Assets | $374,740K | $374,791K |
| Total Deposits | $319,722K | $339,914K |
| Total Loans | $252,617K | $261,972K |
| Total Equity | $53,186K | $33,331K |
| Net Income (quarter) | $3,116K | $1,492K |
Liquidity & funding
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.01% | 77.07% |
| Core Deposit Ratio | 99.22% | 93.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grundy Bank | Sandhills State Bank |
|---|---|---|
| Headquarters City | MORRIS | NORTH PLATTE |
| Headquarters State | IL | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 10 |
| Employees (FTE) | 65 | 41 |
| Established | Sept. 16, 1864, midnight | Sept. 22, 1902, 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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