Bank Comparison
Bank vs Iowa Falls State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| CET1 Ratio | 10.36% | 11.90% |
| Tier 1 Capital Ratio | 10.36% | 11.90% |
| Total Capital Ratio | 11.56% | 12.71% |
| Tier 1 Leverage Ratio | 8.71% | 8.26% |
| Equity / Assets | 9.61% | 14.81% |
Profitability
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 1.18% |
| Return on Equity (ROE) | 6.08% | 7.87% |
| Net Interest Margin (NIM) | 3.51% | 4.12% |
| Yield on Earning Assets | 5.83% | 6.04% |
| Cost of Funds | 2.24% | 2.10% |
Asset quality
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| Texas Ratio | 6.25% | 1.51% |
| Non-Performing Loan Ratio | 0.87% | 0.26% |
| Non-Performing Asset Ratio | 0.57% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.10% |
| ACL / Loans | 1.49% | 1.06% |
Balance sheet
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| Total Assets | $209,462K | $204,190K |
| Total Deposits | $184,480K | $157,567K |
| Total Loans | $136,774K | $100,224K |
| Total Equity | $20,131K | $30,240K |
| Net Income (quarter) | $306 | $603 |
Liquidity & funding
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.14% | 63.61% |
| Core Deposit Ratio | 92.49% | 90.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank | Iowa Falls State Bank |
|---|---|---|
| Headquarters City | WAPELLO | IOWA FALLS |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 34 | 29 |
| Established | Feb. 13, 1931, midnight | Jan. 1, 1933, 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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