Bank Comparison
Kansas State Bank vs Valley State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.35% | 12.23% |
| Equity / Assets | 9.04% | 11.34% |
Profitability
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 0.71% |
| Return on Equity (ROE) | 15.01% | 6.29% |
| Net Interest Margin (NIM) | 3.21% | 4.04% |
| Yield on Earning Assets | 4.59% | 5.41% |
| Cost of Funds | 1.48% | 1.56% |
Asset quality
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| Texas Ratio | 3.47% | 1.50% |
| Non-Performing Loan Ratio | 0.86% | 0.27% |
| Non-Performing Asset Ratio | 0.33% | 0.18% |
| Net Charge-Off Ratio | 0.00% | 0.26% |
| ACL / Loans | 1.53% | 1.14% |
Balance sheet
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| Total Assets | $199,910K | $202,483K |
| Total Deposits | $179,228K | $175,358K |
| Total Loans | $78,125K | $109,156K |
| Total Equity | $18,067K | $22,958K |
| Net Income (quarter) | $667 | $360 |
Liquidity & funding
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 43.59% | 62.25% |
| Core Deposit Ratio | 94.34% | 88.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kansas State Bank | Valley State Bank, the |
|---|---|---|
| Headquarters City | OTTAWA | BELLE PLAINE |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 34 | 36 |
| Established | Nov. 20, 1917, midnight | Jan. 1, 1897, 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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