Bank Comparison
Lake Country Community Bank vs Hopeton State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| CET1 Ratio | 21.12% | — |
| Tier 1 Capital Ratio | 21.12% | — |
| Total Capital Ratio | 22.34% | — |
| Tier 1 Leverage Ratio | 11.80% | 11.41% |
| Equity / Assets | 10.07% | 19.12% |
Profitability
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.01% | -0.90% |
| Return on Equity (ROE) | 0.13% | -4.66% |
| Net Interest Margin (NIM) | 4.40% | 3.87% |
| Yield on Earning Assets | 5.16% | 5.58% |
| Cost of Funds | 0.80% | 1.83% |
Asset quality
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| Texas Ratio | 12.69% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 1.36% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.29% | 0.50% |
Balance sheet
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| Total Assets | $31,038K | $31,213K |
| Total Deposits | $27,753K | $25,206K |
| Total Loans | $16,160K | $20,828K |
| Total Equity | $3,125K | $5,968K |
| Net Income (quarter) | $1 | $-70 |
Liquidity & funding
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 58.23% | 82.63% |
| Core Deposit Ratio | 98.04% | 87.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lake Country Community Bank | Hopeton State Bank, the |
|---|---|---|
| Headquarters City | MORRISTOWN | HOPETON |
| Headquarters State | MN | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 8 | 6 |
| Established | May 2, 1928, midnight | Jan. 1, 1919, 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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