Bank Comparison
Iowa Trust and Savings Bank vs High Plains Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.86% | 9.83% |
| Equity / Assets | 10.68% | 10.73% |
Profitability
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| Return on Assets (ROA) | 1.62% | 1.80% |
| Return on Equity (ROE) | 15.22% | 17.77% |
| Net Interest Margin (NIM) | 3.59% | 3.83% |
| Yield on Earning Assets | 4.82% | 6.52% |
| Cost of Funds | 1.38% | 3.03% |
Asset quality
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| Texas Ratio | 0.29% | 8.65% |
| Non-Performing Loan Ratio | 0.08% | 0.66% |
| Non-Performing Asset Ratio | 0.03% | 0.55% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 1.51% | 0.98% |
Balance sheet
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| Total Assets | $211,364K | $211,748K |
| Total Deposits | $147,940K | $186,598K |
| Total Loans | $91,984K | $175,673K |
| Total Equity | $22,582K | $22,715K |
| Net Income (quarter) | $852 | $1,001K |
Liquidity & funding
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.18% | 94.15% |
| Core Deposit Ratio | 95.64% | 93.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Iowa Trust and Savings Bank | High Plains Bank |
|---|---|---|
| Headquarters City | CENTERVILLE | OKEENE |
| Headquarters State | IA | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 26 | 26 |
| Established | Jan. 1, 1896, midnight | Feb. 11, 1930, 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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