Bank Comparison
Heartland State Bank vs Citizens State Bank of Lankin
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.86% | 9.57% |
| Equity / Assets | 8.59% | 7.72% |
Profitability
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| Return on Assets (ROA) | 0.45% | 0.82% |
| Return on Equity (ROE) | 5.18% | 10.46% |
| Net Interest Margin (NIM) | 2.93% | 4.70% |
| Yield on Earning Assets | 4.61% | 6.28% |
| Cost of Funds | 1.71% | 1.67% |
Asset quality
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| Texas Ratio | 14.20% | 9.10% |
| Non-Performing Loan Ratio | 3.46% | 1.04% |
| Non-Performing Asset Ratio | 1.30% | 0.71% |
| Net Charge-Off Ratio | 0.04% | 0.49% |
| ACL / Loans | 1.53% | 0.77% |
Balance sheet
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| Total Assets | $77,594K | $76,935K |
| Total Deposits | $70,449K | $63,633K |
| Total Loans | $29,222K | $52,149K |
| Total Equity | $6,663K | $5,940K |
| Net Income (quarter) | $86 | $160 |
Liquidity & funding
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| Loan-to-Deposit Ratio | 41.48% | 81.95% |
| Core Deposit Ratio | 90.37% | 87.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heartland State Bank | Citizens State Bank of Lankin |
|---|---|---|
| Headquarters City | EDGELEY | LANKIN |
| Headquarters State | ND | ND |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 11 | 14 |
| Established | Jan. 1, 1921, midnight | May 15, 1905, 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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