Bank Comparison
Iuka State Bank, the vs Worthington Federal Savings Bank, F.S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| CET1 Ratio | — | 30.31% |
| Tier 1 Capital Ratio | — | 30.31% |
| Total Capital Ratio | — | 31.12% |
| Tier 1 Leverage Ratio | 9.96% | 14.43% |
| Equity / Assets | 9.58% | 14.44% |
Profitability
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 0.60% |
| Return on Equity (ROE) | 9.12% | 4.19% |
| Net Interest Margin (NIM) | 4.23% | 3.05% |
| Yield on Earning Assets | 6.41% | 5.00% |
| Cost of Funds | 2.40% | 2.20% |
Asset quality
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| Texas Ratio | 55.78% | 1.79% |
| Non-Performing Loan Ratio | 7.25% | 0.35% |
| Non-Performing Asset Ratio | 6.23% | 0.23% |
| Net Charge-Off Ratio | 1.00% | 0.00% |
| ACL / Loans | 2.85% | 0.59% |
Balance sheet
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| Total Assets | $136,216K | $136,240K |
| Total Deposits | $115,767K | $112,671K |
| Total Loans | $115,836K | $89,917K |
| Total Equity | $13,047K | $19,679K |
| Net Income (quarter) | $294 | $205 |
Liquidity & funding
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.06% | 79.80% |
| Core Deposit Ratio | 90.77% | 92.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Iuka State Bank, the | Worthington Federal Savings Bank, F.S.B. |
|---|---|---|
| Headquarters City | SALEM | WORTHINGTON |
| Headquarters State | IL | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 703435 |
| Regulator | FED | OCC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 31 | 16 |
| Established | Dec. 10, 1910, midnight | May 3, 1935, 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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