Bank Comparison
Kodabank vs Mid-america Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| CET1 Ratio | — | 12.22% |
| Tier 1 Capital Ratio | — | 12.22% |
| Total Capital Ratio | — | 13.29% |
| Tier 1 Leverage Ratio | 10.18% | 9.68% |
| Equity / Assets | 9.71% | 9.79% |
Profitability
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.58% |
| Return on Equity (ROE) | 15.51% | 16.38% |
| Net Interest Margin (NIM) | 3.72% | 3.40% |
| Yield on Earning Assets | 5.86% | 6.30% |
| Cost of Funds | 2.27% | 3.18% |
Asset quality
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| Texas Ratio | 2.69% | 0.98% |
| Non-Performing Loan Ratio | 0.30% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.03% |
| ACL / Loans | 1.14% | 0.99% |
Balance sheet
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| Total Assets | $567,295K | $566,810K |
| Total Deposits | $492,729K | $435,266K |
| Total Loans | $431,285K | $442,895K |
| Total Equity | $55,106K | $55,465K |
| Net Income (quarter) | $2,100K | $2,244K |
Liquidity & funding
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.53% | 101.75% |
| Core Deposit Ratio | 86.76% | 88.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kodabank | Mid-america Bank |
|---|---|---|
| Headquarters City | DRAYTON | BALDWIN CITY |
| Headquarters State | ND | KS |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 7 |
| Employees (FTE) | 72 | 65 |
| Established | April 1, 1916, midnight | Dec. 11, 1900, 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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