Bank Comparison
Heartland Bank vs Bank of the Federated States of Micronesia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 7
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| CET1 Ratio | 13.98% | 49.00% |
| Tier 1 Capital Ratio | 13.98% | 49.00% |
| Total Capital Ratio | 15.23% | 50.27% |
| Tier 1 Leverage Ratio | 13.13% | 13.00% |
| Equity / Assets | 12.86% | 12.84% |
Profitability
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Return on Assets (ROA) | 2.47% | 1.29% |
| Return on Equity (ROE) | 19.21% | 10.39% |
| Net Interest Margin (NIM) | 4.97% | 4.15% |
| Yield on Earning Assets | 6.78% | 4.74% |
| Cost of Funds | 1.99% | 0.67% |
Asset quality
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Texas Ratio | 5.42% | 9.35% |
| Non-Performing Loan Ratio | 0.40% | 5.32% |
| Non-Performing Asset Ratio | 0.33% | 1.28% |
| Net Charge-Off Ratio | -0.11% | 0.65% |
| ACL / Loans | 1.67% | 3.46% |
Balance sheet
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Total Assets | $264,768K | $264,620K |
| Total Deposits | $208,778K | $229,687K |
| Total Loans | $219,653K | $63,563K |
| Total Equity | $34,049K | $33,977K |
| Net Income (quarter) | $1,605K | $881 |
Liquidity & funding
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Loan-to-Deposit Ratio | 105.21% | 27.67% |
| Core Deposit Ratio | 86.19% | 84.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heartland Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Headquarters City | SOMERS | POHNPEI |
| Headquarters State | IA | — |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 33 | 111 |
| Established | Jan. 1, 1901, midnight | Feb. 7, 1986, 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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