Bank Comparison
Litchfield National Bank, the vs Security State Bank of Warroad
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| CET1 Ratio | 15.76% | — |
| Tier 1 Capital Ratio | 15.76% | — |
| Total Capital Ratio | 16.85% | — |
| Tier 1 Leverage Ratio | 8.81% | 16.06% |
| Equity / Assets | 7.62% | 11.70% |
Profitability
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.70% |
| Return on Equity (ROE) | 11.19% | 5.86% |
| Net Interest Margin (NIM) | 3.02% | 3.34% |
| Yield on Earning Assets | 4.52% | 4.51% |
| Cost of Funds | 1.60% | 1.31% |
Asset quality
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| Texas Ratio | 8.00% | 15.58% |
| Non-Performing Loan Ratio | 0.77% | 0.00% |
| Non-Performing Asset Ratio | 0.50% | 0.00% |
| Net Charge-Off Ratio | -0.02% | -0.57% |
| ACL / Loans | 1.01% | 3.12% |
Balance sheet
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| Total Assets | $142,916K | $142,935K |
| Total Deposits | $123,855K | $125,414K |
| Total Loans | $83,189K | $69,706K |
| Total Equity | $10,892K | $16,724K |
| Net Income (quarter) | $302 | $247 |
Liquidity & funding
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| Loan-to-Deposit Ratio | 67.17% | 55.58% |
| Core Deposit Ratio | 87.74% | 96.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Litchfield National Bank, the | Security State Bank of Warroad |
|---|---|---|
| Headquarters City | LITCHFIELD | WARROAD |
| Headquarters State | IL | MN |
| Asset Tier | Small | Small |
| Charter Class | 10079 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 25 | 15 |
| Established | May 1, 1907, midnight | Sept. 13, 1912, 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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