Bank Comparison
Hardin County Savings Bank vs Community State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| CET1 Ratio | 13.30% | — |
| Tier 1 Capital Ratio | 13.30% | — |
| Total Capital Ratio | 13.96% | — |
| Tier 1 Leverage Ratio | 9.63% | 9.85% |
| Equity / Assets | 5.27% | 10.02% |
Profitability
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.36% |
| Return on Equity (ROE) | 21.56% | 13.41% |
| Net Interest Margin (NIM) | 3.20% | 4.01% |
| Yield on Earning Assets | 5.89% | 5.98% |
| Cost of Funds | 2.65% | 2.12% |
Asset quality
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| Texas Ratio | 14.20% | 11.60% |
| Non-Performing Loan Ratio | 1.31% | 1.53% |
| Non-Performing Asset Ratio | 0.81% | 1.13% |
| Net Charge-Off Ratio | -0.01% | -0.03% |
| ACL / Loans | 0.72% | 1.44% |
Balance sheet
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| Total Assets | $403,464K | $403,887K |
| Total Deposits | $337,227K | $361,145K |
| Total Loans | $250,074K | $298,079K |
| Total Equity | $21,257K | $40,454K |
| Net Income (quarter) | $1,151K | $1,352K |
Liquidity & funding
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.16% | 82.54% |
| Core Deposit Ratio | 91.35% | 88.70% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hardin County Savings Bank | Community State Bank |
|---|---|---|
| Headquarters City | ELDORA | GALVA |
| Headquarters State | IA | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 8 |
| Employees (FTE) | 33 | 59 |
| Established | Jan. 1, 1868, midnight | Nov. 24, 1980, 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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