Bank Comparison
International Bank of Amherst, the vs Black River Country 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 | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| CET1 Ratio | — | 12.43% |
| Tier 1 Capital Ratio | — | 12.43% |
| Total Capital Ratio | — | 13.68% |
| Tier 1 Leverage Ratio | 13.99% | 8.81% |
| Equity / Assets | 14.25% | 7.59% |
Profitability
| Metric | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| Return on Assets (ROA) | 2.32% | 1.27% |
| Return on Equity (ROE) | 16.65% | 17.80% |
| Net Interest Margin (NIM) | 4.10% | 3.94% |
| Yield on Earning Assets | 5.05% | 5.44% |
| Cost of Funds | 1.07% | 1.62% |
Asset quality
| Metric | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| Texas Ratio | 0.00% | 2.63% |
| Non-Performing Loan Ratio | 0.00% | 0.30% |
| Non-Performing Asset Ratio | 0.00% | 0.23% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.80% | 1.58% |
Balance sheet
| Metric | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| Total Assets | $100,125K | $100,734K |
| Total Deposits | $85,674K | $85,424K |
| Total Loans | $51,616K | $78,657K |
| Total Equity | $14,269K | $7,646K |
| Net Income (quarter) | $593 | $333 |
Liquidity & funding
| Metric | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.25% | 92.08% |
| Core Deposit Ratio | 96.46% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | International Bank of Amherst, the | Black River Country Bank |
|---|---|---|
| Headquarters City | AMHERST | BLACK RIVER FALLS |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 20 |
| Established | April 1, 1893, midnight | Jan. 1, 1907, 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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