Bank Comparison
Home Savings Bank vs Global Innovations Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 5
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| CET1 Ratio | — | 11.74% |
| Tier 1 Capital Ratio | — | 11.74% |
| Total Capital Ratio | — | 12.58% |
| Tier 1 Leverage Ratio | 14.34% | 8.44% |
| Equity / Assets | 14.80% | 7.94% |
Profitability
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 0.80% |
| Return on Equity (ROE) | 6.38% | 9.61% |
| Net Interest Margin (NIM) | 3.85% | 3.52% |
| Yield on Earning Assets | 7.26% | 6.34% |
| Cost of Funds | 3.94% | 2.16% |
Asset quality
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| Texas Ratio | 0.00% | 15.31% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.07% | 0.88% |
Balance sheet
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| Total Assets | $111,401K | $111,309K |
| Total Deposits | $89,034K | $100,294K |
| Total Loans | $89,585K | $71,116K |
| Total Equity | $16,486K | $8,843K |
| Net Income (quarter) | $269 | $210 |
Liquidity & funding
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.62% | 70.91% |
| Core Deposit Ratio | 84.74% | 76.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Savings Bank | Global Innovations Bank |
|---|---|---|
| Headquarters City | SALT LAKE CITY | KIESTER |
| Headquarters State | UT | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 25 |
| Established | Jan. 1, 1979, midnight | Jan. 1, 1889, 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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