Bank Comparison
Liberty Savings Association, Fsa, the vs Cheyenne State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 9
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 24.20% | 21.07% |
| Equity / Assets | 24.12% | 21.26% |
Profitability
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.21% | -2.05% |
| Return on Equity (ROE) | 0.88% | -9.90% |
| Net Interest Margin (NIM) | 3.07% | 6.23% |
| Yield on Earning Assets | 4.00% | 7.18% |
| Cost of Funds | 1.22% | 1.10% |
Asset quality
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 3.28% |
| Non-Performing Loan Ratio | 0.00% | 1.26% |
| Non-Performing Asset Ratio | 0.00% | 0.74% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.68% | 2.32% |
Balance sheet
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| Total Assets | $28,332K | $28,550K |
| Total Deposits | $21,453K | $22,419K |
| Total Loans | $10,155K | $16,857K |
| Total Equity | $6,834K | $6,071K |
| Net Income (quarter) | $15 | $-152 |
Liquidity & funding
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 47.34% | 75.19% |
| Core Deposit Ratio | 86.20% | 93.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Liberty Savings Association, Fsa, the | Cheyenne State Bank |
|---|---|---|
| Headquarters City | FORT SCOTT | Cheyenne |
| Headquarters State | KS | WY |
| Asset Tier | Micro | Micro |
| Charter Class | 704214 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 6 |
| Established | Jan. 1, 1919, midnight | Aug. 8, 2002, 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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