Bank Comparison
Hoosier Heartland State Bank vs Marion Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| CET1 Ratio | 10.37% | — |
| Tier 1 Capital Ratio | 10.37% | — |
| Total Capital Ratio | 11.48% | — |
| Tier 1 Leverage Ratio | 8.57% | 9.72% |
| Equity / Assets | 7.14% | 6.63% |
Profitability
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 1.06% |
| Return on Equity (ROE) | 16.12% | 16.34% |
| Net Interest Margin (NIM) | 4.11% | 4.03% |
| Yield on Earning Assets | 5.88% | 5.62% |
| Cost of Funds | 1.82% | 1.63% |
Asset quality
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| Texas Ratio | 3.69% | 9.90% |
| Non-Performing Loan Ratio | 0.22% | 1.16% |
| Non-Performing Asset Ratio | 0.16% | 0.74% |
| Net Charge-Off Ratio | 0.00% | -0.10% |
| ACL / Loans | 1.20% | 1.39% |
Balance sheet
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| Total Assets | $351,012K | $351,134K |
| Total Deposits | $317,591K | $319,649K |
| Total Loans | $262,504K | $222,495K |
| Total Equity | $25,057K | $23,294K |
| Net Income (quarter) | $990 | $932 |
Liquidity & funding
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.65% | 69.61% |
| Core Deposit Ratio | 96.91% | 89.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hoosier Heartland State Bank | Marion Community Bank |
|---|---|---|
| Headquarters City | CRAWFORDSVILLE | MARION |
| Headquarters State | IN | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 59 | 57 |
| Established | Dec. 1, 1899, midnight | March 17, 1934, 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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