Bank Comparison
Heartland State Bank vs First National Bank, Cortez
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| CET1 Ratio | 10.86% | 14.81% |
| Tier 1 Capital Ratio | 10.86% | 14.81% |
| Total Capital Ratio | 11.56% | 16.04% |
| Tier 1 Leverage Ratio | 9.87% | 9.89% |
| Equity / Assets | 8.98% | 8.97% |
Profitability
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| Return on Assets (ROA) | 2.24% | 0.06% |
| Return on Equity (ROE) | 24.39% | 0.69% |
| Net Interest Margin (NIM) | 5.11% | 3.75% |
| Yield on Earning Assets | 6.45% | 5.56% |
| Cost of Funds | 1.38% | 1.91% |
Asset quality
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| Texas Ratio | 0.00% | 12.92% |
| Non-Performing Loan Ratio | 0.00% | 1.97% |
| Non-Performing Asset Ratio | 0.00% | 1.26% |
| Net Charge-Off Ratio | 0.00% | 2.20% |
| ACL / Loans | 0.82% | 1.23% |
Balance sheet
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| Total Assets | $156,028K | $156,039K |
| Total Deposits | $134,713K | $136,876K |
| Total Loans | $118,145K | $99,644K |
| Total Equity | $14,014K | $14,003K |
| Net Income (quarter) | $856 | $25 |
Liquidity & funding
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| Loan-to-Deposit Ratio | 87.70% | 72.80% |
| Core Deposit Ratio | 94.08% | 90.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heartland State Bank | First National Bank, Cortez |
|---|---|---|
| Headquarters City | REDFIELD | CORTEZ |
| Headquarters State | SD | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14833 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 25 | 19 |
| Established | Jan. 1, 1909, midnight | May 31, 1958, 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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