Bank Comparison
Hoosier Heartland State Bank vs Campbell & Fetter Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| CET1 Ratio | 10.37% | 21.98% |
| Tier 1 Capital Ratio | 10.37% | 21.98% |
| Total Capital Ratio | 11.48% | 23.20% |
| Tier 1 Leverage Ratio | 8.57% | 10.15% |
| Equity / Assets | 7.14% | 10.15% |
Profitability
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 0.82% |
| Return on Equity (ROE) | 16.12% | 8.10% |
| Net Interest Margin (NIM) | 4.11% | 3.21% |
| Yield on Earning Assets | 5.88% | 4.42% |
| Cost of Funds | 1.82% | 1.29% |
Asset quality
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| Texas Ratio | 3.69% | 0.00% |
| Non-Performing Loan Ratio | 0.22% | 0.00% |
| Non-Performing Asset Ratio | 0.16% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.20% | 0.82% |
Balance sheet
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| Total Assets | $351,012K | $353,414K |
| Total Deposits | $317,591K | $286,400K |
| Total Loans | $262,504K | $234,698K |
| Total Equity | $25,057K | $35,868K |
| Net Income (quarter) | $990 | $722 |
Liquidity & funding
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.65% | 81.95% |
| Core Deposit Ratio | 96.91% | 97.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hoosier Heartland State Bank | Campbell & Fetter Bank |
|---|---|---|
| Headquarters City | CRAWFORDSVILLE | KENDALLVILLE |
| Headquarters State | IN | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 8 |
| Employees (FTE) | 59 | 61 |
| Established | Dec. 1, 1899, midnight | Jan. 1, 1863, 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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