Bank Comparison
Hamilton Bank, the vs Red River State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| CET1 Ratio | 17.19% | — |
| Tier 1 Capital Ratio | 17.19% | — |
| Total Capital Ratio | 17.62% | — |
| Tier 1 Leverage Ratio | 9.81% | 14.23% |
| Equity / Assets | 5.01% | 14.22% |
Profitability
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 2.13% |
| Return on Equity (ROE) | 25.76% | 15.04% |
| Net Interest Margin (NIM) | 3.65% | 5.79% |
| Yield on Earning Assets | 5.03% | 7.17% |
| Cost of Funds | 1.48% | 1.57% |
Asset quality
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| Texas Ratio | 4.19% | 45.93% |
| Non-Performing Loan Ratio | 0.01% | 7.94% |
| Non-Performing Asset Ratio | 0.00% | 6.57% |
| Net Charge-Off Ratio | -0.12% | -1.30% |
| ACL / Loans | 0.55% | 1.62% |
Balance sheet
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| Total Assets | $120,106K | $120,156K |
| Total Deposits | $113,747K | $102,414K |
| Total Loans | $51,704K | $99,368K |
| Total Equity | $6,023K | $17,092K |
| Net Income (quarter) | $402 | $631 |
Liquidity & funding
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 45.46% | 97.03% |
| Core Deposit Ratio | 89.64% | 93.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hamilton Bank, the | Red River State Bank |
|---|---|---|
| Headquarters City | HAMILTON | HALSTAD |
| Headquarters State | MO | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 15 | 20 |
| Established | June 11, 1938, midnight | Jan. 1, 1934, 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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