Bank Comparison
Hills Bank and Trust Company vs Metro City Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| CET1 Ratio | — | 16.50% |
| Tier 1 Capital Ratio | — | 16.50% |
| Total Capital Ratio | — | 17.42% |
| Tier 1 Leverage Ratio | 13.02% | 10.46% |
| Equity / Assets | 12.79% | 10.82% |
Profitability
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.93% |
| Return on Equity (ROE) | 14.87% | 18.08% |
| Net Interest Margin (NIM) | 3.74% | 4.01% |
| Yield on Earning Assets | 5.37% | 6.39% |
| Cost of Funds | 1.84% | 2.56% |
Asset quality
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| Texas Ratio | 4.95% | 6.24% |
| Non-Performing Loan Ratio | 0.87% | 0.77% |
| Non-Performing Asset Ratio | 0.68% | 0.69% |
| Net Charge-Off Ratio | 0.08% | 0.03% |
| ACL / Loans | 1.58% | 0.67% |
Balance sheet
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| Total Assets | $4,671M | $4,633M |
| Total Deposits | $3,608M | $3,658M |
| Total Loans | $3,583M | $4,003M |
| Total Equity | $597,653K | $501,227K |
| Net Income (quarter) | $22,302K | $22,382K |
Liquidity & funding
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.31% | 109.43% |
| Core Deposit Ratio | 93.70% | 79.72% |
| Uninsured Deposit Ratio | 25.94% | 31.59% |
Identity
| Metric | Hills Bank and Trust Company | Metro City Bank |
|---|---|---|
| Headquarters City | HILLS | DORAVILLE |
| Headquarters State | IA | GA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 21 | 31 |
| Employees (FTE) | 495 | 305 |
| Established | Jan. 1, 1904, midnight | April 4, 2006, 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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