Bank Comparison
Jones Bank vs Eureka Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| CET1 Ratio | — | 38.52% |
| Tier 1 Capital Ratio | — | 38.52% |
| Total Capital Ratio | — | 39.70% |
| Tier 1 Leverage Ratio | 11.23% | 21.53% |
| Equity / Assets | 7.98% | 20.48% |
Profitability
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 0.94% |
| Return on Equity (ROE) | 16.62% | 4.62% |
| Net Interest Margin (NIM) | 3.05% | 3.25% |
| Yield on Earning Assets | 4.85% | 4.52% |
| Cost of Funds | 2.00% | 1.59% |
Asset quality
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| Texas Ratio | 2.17% | 2.33% |
| Non-Performing Loan Ratio | 0.31% | 0.81% |
| Non-Performing Asset Ratio | 0.18% | 0.49% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.67% | 1.01% |
Balance sheet
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| Total Assets | $438,351K | $439,360K |
| Total Deposits | $369,509K | $324,175K |
| Total Loans | $248,794K | $267,566K |
| Total Equity | $34,965K | $89,972K |
| Net Income (quarter) | $1,459K | $1,034K |
Liquidity & funding
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.33% | 82.54% |
| Core Deposit Ratio | 91.68% | 94.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jones Bank | Eureka Savings Bank |
|---|---|---|
| Headquarters City | SEWARD | LA SALLE |
| Headquarters State | NE | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 54 | 50 |
| Established | Oct. 1, 1883, midnight | Jan. 1, 1885, 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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