Bank Comparison
Homestead Bank vs Bank of Lake Mills
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| CET1 Ratio | — | 11.32% |
| Tier 1 Capital Ratio | — | 11.32% |
| Total Capital Ratio | — | 11.78% |
| Tier 1 Leverage Ratio | 18.19% | 10.07% |
| Equity / Assets | 18.25% | 9.89% |
Profitability
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 0.07% |
| Return on Equity (ROE) | 9.33% | 0.74% |
| Net Interest Margin (NIM) | 4.10% | 6.09% |
| Yield on Earning Assets | 5.36% | 8.74% |
| Cost of Funds | 1.47% | 3.18% |
Asset quality
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| Texas Ratio | 1.25% | 4.61% |
| Non-Performing Loan Ratio | 0.18% | 0.54% |
| Non-Performing Asset Ratio | 0.12% | 0.47% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.16% | 0.47% |
Balance sheet
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| Total Assets | $530,478K | $530,089K |
| Total Deposits | $408,120K | $401,023K |
| Total Loans | $348,390K | $460,379K |
| Total Equity | $96,793K | $52,422K |
| Net Income (quarter) | $2,237K | $98 |
Liquidity & funding
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| Loan-to-Deposit Ratio | 85.36% | 114.80% |
| Core Deposit Ratio | 93.22% | 97.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Homestead Bank | Bank of Lake Mills |
|---|---|---|
| Headquarters City | COZAD | LAKE MILLS |
| Headquarters State | NE | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 2 |
| Employees (FTE) | 78 | 39 |
| Established | Jan. 1, 1905, midnight | Jan. 1, 1893, 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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