Bank Comparison
Home Trust & Savings Bank, the vs Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 17
winning metrics across 20 comparable rows
Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the
RSSD 368951 · WAMEGO, KS
Full profile →Capital adequacy
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| CET1 Ratio | 14.75% | — |
| Tier 1 Capital Ratio | 14.75% | — |
| Total Capital Ratio | 15.95% | — |
| Tier 1 Leverage Ratio | 10.66% | 11.28% |
| Equity / Assets | 9.28% | 11.29% |
Profitability
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| Return on Assets (ROA) | 1.21% | 1.88% |
| Return on Equity (ROE) | 13.08% | 17.46% |
| Net Interest Margin (NIM) | 2.66% | 3.40% |
| Yield on Earning Assets | 4.91% | 5.39% |
| Cost of Funds | 2.45% | 2.24% |
Asset quality
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| Texas Ratio | 3.92% | 0.48% |
| Non-Performing Loan Ratio | 0.08% | 0.03% |
| Non-Performing Asset Ratio | 0.19% | 0.02% |
| Net Charge-Off Ratio | 0.03% | -0.03% |
| ACL / Loans | 1.21% | 1.22% |
Balance sheet
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| Total Assets | $294,809K | $295,001K |
| Total Deposits | $261,218K | $260,325K |
| Total Loans | $213,175K | $184,913K |
| Total Equity | $27,361K | $33,308K |
| Net Income (quarter) | $890 | $1,432K |
Liquidity & funding
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| Loan-to-Deposit Ratio | 81.61% | 71.03% |
| Core Deposit Ratio | 88.52% | 87.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Trust & Savings Bank, the | Kaw Valley State Bank and Trust Company, of Wamego, Kansas, the |
|---|---|---|
| Headquarters City | OSAGE | WAMEGO |
| Headquarters State | IA | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 15 | 44 |
| Established | Dec. 1, 1899, midnight | March 3, 1913, 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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