Bank Comparison
Iowa State Bank and Trust Company vs Kearney Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 18
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| CET1 Ratio | 10.80% | 20.43% |
| Tier 1 Capital Ratio | 10.80% | 20.43% |
| Total Capital Ratio | 11.85% | 21.68% |
| Tier 1 Leverage Ratio | 8.19% | 11.74% |
| Equity / Assets | 8.15% | 10.85% |
Profitability
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.20% | 2.23% |
| Return on Equity (ROE) | 14.94% | 20.36% |
| Net Interest Margin (NIM) | 3.61% | 3.97% |
| Yield on Earning Assets | 6.00% | 5.38% |
| Cost of Funds | 2.52% | 1.54% |
Asset quality
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| Texas Ratio | 0.84% | 0.00% |
| Non-Performing Loan Ratio | 0.09% | 0.00% |
| Non-Performing Asset Ratio | 0.07% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.05% | 1.45% |
Balance sheet
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| Total Assets | $325,288K | $325,102K |
| Total Deposits | $270,867K | $287,758K |
| Total Loans | $247,234K | $174,966K |
| Total Equity | $26,519K | $35,281K |
| Net Income (quarter) | $988 | $1,770K |
Liquidity & funding
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 91.28% | 60.80% |
| Core Deposit Ratio | 91.47% | 91.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Iowa State Bank and Trust Company | Kearney Trust Company |
|---|---|---|
| Headquarters City | FAIRFIELD | Kearney |
| Headquarters State | IA | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 34 | 38 |
| Established | May 19, 1934, midnight | June 10, 1882, 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.
View full Iowa State Bank and Trust Company profile | View full Kearney Trust Company profile | Browse all bank comparisons