Bank Comparison
Lake Central Bank vs First American State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| CET1 Ratio | 13.56% | 14.74% |
| Tier 1 Capital Ratio | 13.56% | 14.74% |
| Total Capital Ratio | 14.59% | 16.00% |
| Tier 1 Leverage Ratio | 10.90% | 9.37% |
| Equity / Assets | 10.30% | 8.95% |
Profitability
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.40% | 0.42% |
| Return on Equity (ROE) | 22.80% | 4.74% |
| Net Interest Margin (NIM) | 4.45% | 2.88% |
| Yield on Earning Assets | 5.44% | 5.46% |
| Cost of Funds | 1.07% | 2.87% |
Asset quality
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| Texas Ratio | 0.33% | 2.39% |
| Non-Performing Loan Ratio | 0.04% | 0.32% |
| Non-Performing Asset Ratio | 0.03% | 0.23% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.25% | 0.95% |
Balance sheet
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| Total Assets | $282,475K | $281,809K |
| Total Deposits | $250,114K | $201,421K |
| Total Loans | $186,392K | $199,881K |
| Total Equity | $29,104K | $25,209K |
| Net Income (quarter) | $1,704K | $301 |
Liquidity & funding
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.52% | 99.24% |
| Core Deposit Ratio | 97.87% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lake Central Bank | First American State Bank |
|---|---|---|
| Headquarters City | ANNANDALE | GREENWOOD VILLAGE |
| Headquarters State | MN | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 36 | 22 |
| Established | Aug. 15, 1893, midnight | July 10, 1995, 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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