Bank Comparison
Hometown Bank vs Concordia Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 10.82% | — |
| Tier 1 Capital Ratio | 10.82% | — |
| Total Capital Ratio | 12.07% | — |
| Tier 1 Leverage Ratio | 8.13% | 11.01% |
| Equity / Assets | 7.65% | 9.56% |
Profitability
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 0.86% |
| Return on Equity (ROE) | 9.53% | 9.11% |
| Net Interest Margin (NIM) | 4.08% | 3.45% |
| Yield on Earning Assets | 5.38% | 5.02% |
| Cost of Funds | 1.37% | 1.68% |
Asset quality
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| Texas Ratio | 4.09% | 20.04% |
| Non-Performing Loan Ratio | 0.43% | 2.12% |
| Non-Performing Asset Ratio | 0.32% | 1.96% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.26% | 1.07% |
Balance sheet
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| Total Assets | $673,088K | $672,299K |
| Total Deposits | $602,879K | $591,715K |
| Total Loans | $497,450K | $363,433K |
| Total Equity | $51,473K | $64,264K |
| Net Income (quarter) | $1,216K | $1,466K |
Liquidity & funding
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 82.51% | 61.42% |
| Core Deposit Ratio | 97.22% | 87.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hometown Bank | Concordia Bank & Trust Company |
|---|---|---|
| Headquarters City | CARVER | VIDALIA |
| Headquarters State | MN | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 9 |
| Employees (FTE) | 138 | 116 |
| Established | Jan. 1, 1924, midnight | July 1, 1903, 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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