Bank Comparison
Hebron Savings Bank vs Bank of New Glarus, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| CET1 Ratio | 16.11% | 10.76% |
| Tier 1 Capital Ratio | 16.11% | 10.76% |
| Total Capital Ratio | 17.36% | 11.95% |
| Tier 1 Leverage Ratio | 13.44% | 9.26% |
| Equity / Assets | 12.79% | 9.76% |
Profitability
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 1.70% |
| Return on Equity (ROE) | 13.47% | 17.72% |
| Net Interest Margin (NIM) | 4.57% | 4.02% |
| Yield on Earning Assets | 5.60% | 6.12% |
| Cost of Funds | 1.13% | 2.23% |
Asset quality
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| Texas Ratio | 0.77% | 16.62% |
| Non-Performing Loan Ratio | 0.08% | 2.05% |
| Non-Performing Asset Ratio | 0.11% | 1.52% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.33% | 1.28% |
Balance sheet
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| Total Assets | $821,929K | $824,180K |
| Total Deposits | $706,700K | $644,021K |
| Total Loans | $618,645K | $611,214K |
| Total Equity | $105,161K | $80,461K |
| Net Income (quarter) | $3,494K | $3,516K |
Liquidity & funding
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| Loan-to-Deposit Ratio | 87.54% | 94.91% |
| Core Deposit Ratio | 94.89% | 93.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hebron Savings Bank | Bank of New Glarus, the |
|---|---|---|
| Headquarters City | HEBRON | NEW GLARUS |
| Headquarters State | MD | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 8 |
| Employees (FTE) | 135 | 107 |
| Established | June 11, 1910, midnight | Oct. 30, 1893, 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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