Bank Comparison
Halstead Bank, the vs First Missouri Bank of SEMO
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 12
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| CET1 Ratio | 11.93% | 11.37% |
| Tier 1 Capital Ratio | 11.93% | 11.37% |
| Total Capital Ratio | 13.18% | 12.63% |
| Tier 1 Leverage Ratio | 8.50% | 8.55% |
| Equity / Assets | 8.42% | 9.15% |
Profitability
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Return on Assets (ROA) | 1.44% | 1.38% |
| Return on Equity (ROE) | 17.24% | 16.11% |
| Net Interest Margin (NIM) | 4.38% | 4.51% |
| Yield on Earning Assets | 6.12% | 6.27% |
| Cost of Funds | 1.90% | 1.93% |
Asset quality
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Texas Ratio | 2.43% | 0.70% |
| Non-Performing Loan Ratio | 0.25% | 0.02% |
| Non-Performing Asset Ratio | 0.17% | 0.02% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.36% | 1.88% |
Balance sheet
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Total Assets | $211,043K | $210,887K |
| Total Deposits | $192,516K | $190,269K |
| Total Loans | $140,478K | $188,706K |
| Total Equity | $17,760K | $19,289K |
| Net Income (quarter) | $756 | $776 |
Liquidity & funding
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Loan-to-Deposit Ratio | 72.97% | 99.18% |
| Core Deposit Ratio | 94.34% | 90.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Halstead Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Headquarters City | HALSTEAD | Kennett |
| Headquarters State | KS | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 26 | 41 |
| Established | March 10, 1882, midnight | Jan. 18, 1965, 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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