Bank Comparison
Hometown Community Bank vs Gunnison Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.38% | 12.91% |
| Equity / Assets | 9.06% | 12.82% |
Profitability
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 0.34% |
| Return on Equity (ROE) | 21.63% | 2.61% |
| Net Interest Margin (NIM) | 3.85% | 2.64% |
| Yield on Earning Assets | 5.96% | 4.51% |
| Cost of Funds | 2.22% | 2.08% |
Asset quality
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| Texas Ratio | 16.41% | 0.50% |
| Non-Performing Loan Ratio | 0.63% | 0.12% |
| Non-Performing Asset Ratio | 0.53% | 0.07% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.15% | 0.87% |
Balance sheet
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| Total Assets | $103,054K | $102,789K |
| Total Deposits | $93,002K | $83,693K |
| Total Loans | $86,204K | $58,951K |
| Total Equity | $9,340K | $13,182K |
| Net Income (quarter) | $494 | $86 |
Liquidity & funding
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 92.69% | 70.44% |
| Core Deposit Ratio | 86.16% | 93.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hometown Community Bank | Gunnison Savings and Loan Association |
|---|---|---|
| Headquarters City | CYRUS | GUNNISON |
| Headquarters State | MN | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 14 | 16 |
| Established | Oct. 7, 1901, midnight | Jan. 1, 1911, 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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