Bank Comparison
Home State Bank vs Peoples Independent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| CET1 Ratio | 10.14% | 14.40% |
| Tier 1 Capital Ratio | 10.14% | 14.40% |
| Total Capital Ratio | 11.40% | 15.03% |
| Tier 1 Leverage Ratio | 9.11% | 9.47% |
| Equity / Assets | 8.57% | 8.20% |
Profitability
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| Return on Assets (ROA) | -1.26% | 1.58% |
| Return on Equity (ROE) | -14.57% | 18.54% |
| Net Interest Margin (NIM) | 3.61% | 3.61% |
| Yield on Earning Assets | 6.01% | 5.41% |
| Cost of Funds | 2.57% | 1.90% |
Asset quality
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| Texas Ratio | 31.17% | 1.32% |
| Non-Performing Loan Ratio | 3.02% | 0.27% |
| Non-Performing Asset Ratio | 2.61% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 2.42% | 0.90% |
Balance sheet
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| Total Assets | $485,710K | $485,550K |
| Total Deposits | $442,109K | $442,272K |
| Total Loans | $385,395K | $200,010K |
| Total Equity | $41,621K | $39,835K |
| Net Income (quarter) | $-1,499 | $1,868K |
Liquidity & funding
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.17% | 45.22% |
| Core Deposit Ratio | 72.95% | 90.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home State Bank | Peoples Independent Bank |
|---|---|---|
| Headquarters City | JEFFERSON | BOAZ |
| Headquarters State | IA | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 9 |
| Employees (FTE) | 59 | 83 |
| Established | Jan. 1, 1934, midnight | May 2, 1988, 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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