Bank Comparison
Home National Bank vs State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.82% | 11.35% |
| Equity / Assets | 9.50% | 8.02% |
Profitability
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.05% |
| Return on Equity (ROE) | 8.15% | 13.30% |
| Net Interest Margin (NIM) | 4.69% | 2.73% |
| Yield on Earning Assets | 6.38% | 4.26% |
| Cost of Funds | 1.76% | 1.67% |
Asset quality
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| Texas Ratio | 20.96% | 5.22% |
| Non-Performing Loan Ratio | 3.37% | 0.00% |
| Non-Performing Asset Ratio | 2.17% | 0.49% |
| Net Charge-Off Ratio | 0.37% | -0.01% |
| ACL / Loans | 1.65% | 3.03% |
Balance sheet
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| Total Assets | $90,753K | $91,364K |
| Total Deposits | $79,595K | $83,655K |
| Total Loans | $58,382K | $42,419K |
| Total Equity | $8,618K | $7,327K |
| Net Income (quarter) | $177 | $244 |
Liquidity & funding
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 73.35% | 50.71% |
| Core Deposit Ratio | 87.99% | 90.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home National Bank | State Bank, the |
|---|---|---|
| Headquarters City | RACINE | SPIRIT LAKE |
| Headquarters State | OH | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 9815 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 23 | 11 |
| Established | April 10, 1910, midnight | Oct. 5, 1928, 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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