Bank Comparison
Hearthside Bank Corporation vs Stockmens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| CET1 Ratio | 13.95% | 13.30% |
| Tier 1 Capital Ratio | 13.95% | 13.30% |
| Total Capital Ratio | 15.20% | 14.55% |
| Tier 1 Leverage Ratio | 10.05% | 11.59% |
| Equity / Assets | 8.99% | 11.51% |
Profitability
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.55% |
| Return on Equity (ROE) | 8.73% | 13.40% |
| Net Interest Margin (NIM) | 3.81% | 4.83% |
| Yield on Earning Assets | 5.72% | 6.43% |
| Cost of Funds | 2.06% | 1.74% |
Asset quality
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| Texas Ratio | 2.38% | 5.49% |
| Non-Performing Loan Ratio | 0.30% | 0.46% |
| Non-Performing Asset Ratio | 0.24% | 0.43% |
| Net Charge-Off Ratio | -0.01% | 0.06% |
| ACL / Loans | 1.21% | 1.58% |
Balance sheet
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| Total Assets | $591,133K | $591,778K |
| Total Deposits | $530,083K | $509,075K |
| Total Loans | $453,390K | $504,783K |
| Total Equity | $53,152K | $68,109K |
| Net Income (quarter) | $1,157K | $2,246K |
Liquidity & funding
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.53% | 99.16% |
| Core Deposit Ratio | 86.73% | 92.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hearthside Bank Corporation | Stockmens Bank |
|---|---|---|
| Headquarters City | MIDDLESBORO | COLORADO SPRINGS |
| Headquarters State | KY | CO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 11 |
| Employees (FTE) | 101 | 118 |
| Established | Jan. 1, 1920, midnight | May 1, 1897, 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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