Bank Comparison
Longview Community Bank vs State Bank of Graymont
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| CET1 Ratio | 11.87% | — |
| Tier 1 Capital Ratio | 11.87% | — |
| Total Capital Ratio | 12.77% | — |
| Tier 1 Leverage Ratio | 8.50% | 11.77% |
| Equity / Assets | 11.92% | 11.90% |
Profitability
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 1.03% |
| Return on Equity (ROE) | 8.70% | 9.04% |
| Net Interest Margin (NIM) | 4.66% | 3.10% |
| Yield on Earning Assets | 6.70% | 4.78% |
| Cost of Funds | 2.17% | 1.89% |
Asset quality
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| Texas Ratio | 20.44% | 18.68% |
| Non-Performing Loan Ratio | 2.41% | 3.61% |
| Non-Performing Asset Ratio | 1.73% | 2.27% |
| Net Charge-Off Ratio | 0.20% | -0.02% |
| ACL / Loans | 0.87% | 1.20% |
Balance sheet
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| Total Assets | $316.8M | $312.7M |
| Total Deposits | $264.9M | $270.8M |
| Total Loans | $225.5M | $196.8M |
| Total Equity | $37.8M | $37.2M |
| Net Income (quarter) | $760K | $836K |
Liquidity & funding
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| Loan-to-Deposit Ratio | 85.14% | 72.66% |
| Core Deposit Ratio | 82.71% | 85.65% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Longview Community Bank | State Bank of Graymont |
|---|---|---|
| Headquarters City | Mount Pulaski | Graymont |
| Headquarters State | IL | IL |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 49 | 43 |
| Established | January 1, 1872 | January 1, 1913 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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