Bank Comparison
Home State Bank vs Solutions Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| CET1 Ratio | 10.14% | 13.49% |
| Tier 1 Capital Ratio | 10.14% | 13.49% |
| Total Capital Ratio | 11.40% | 14.23% |
| Tier 1 Leverage Ratio | 9.11% | 8.77% |
| Equity / Assets | 8.57% | 5.68% |
Profitability
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| Return on Assets (ROA) | -1.26% | 0.96% |
| Return on Equity (ROE) | -14.57% | 17.52% |
| Net Interest Margin (NIM) | 3.61% | 2.93% |
| Yield on Earning Assets | 6.01% | 4.67% |
| Cost of Funds | 2.57% | 1.86% |
Asset quality
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| Texas Ratio | 31.17% | 5.31% |
| Non-Performing Loan Ratio | 3.02% | 0.45% |
| Non-Performing Asset Ratio | 2.61% | 0.22% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 2.42% | 0.92% |
Balance sheet
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| Total Assets | $485,710K | $485,596K |
| Total Deposits | $442,109K | $379,039K |
| Total Loans | $385,395K | $241,051K |
| Total Equity | $41,621K | $27,601K |
| Net Income (quarter) | $-1,499 | $1,228K |
Liquidity & funding
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.17% | 63.60% |
| Core Deposit Ratio | 72.95% | 87.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home State Bank | Solutions Bank |
|---|---|---|
| Headquarters City | JEFFERSON | FORRESTON |
| Headquarters State | IA | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 59 | 63 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1887, 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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