Bank Comparison
Lusitania Savings Bank vs Dakota Western Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| CET1 Ratio | 35.14% | 14.67% |
| Tier 1 Capital Ratio | 35.14% | 14.67% |
| Total Capital Ratio | 36.39% | 15.93% |
| Tier 1 Leverage Ratio | 15.05% | 11.39% |
| Equity / Assets | 14.50% | 9.70% |
Profitability
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| Return on Assets (ROA) | 0.48% | 1.99% |
| Return on Equity (ROE) | 3.27% | 20.44% |
| Net Interest Margin (NIM) | 2.38% | 3.81% |
| Yield on Earning Assets | 3.90% | 5.57% |
| Cost of Funds | 1.71% | 1.92% |
Asset quality
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| Texas Ratio | 0.68% | 5.10% |
| Non-Performing Loan Ratio | 0.19% | 0.78% |
| Non-Performing Asset Ratio | 0.10% | 0.53% |
| Net Charge-Off Ratio | 0.00% | 0.59% |
| ACL / Loans | 1.18% | 1.76% |
Balance sheet
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| Total Assets | $411,285K | $412,006K |
| Total Deposits | $347,194K | $356,877K |
| Total Loans | $225,754K | $280,470K |
| Total Equity | $59,626K | $39,950K |
| Net Income (quarter) | $486 | $2,037K |
Liquidity & funding
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.02% | 78.59% |
| Core Deposit Ratio | 88.41% | 83.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lusitania Savings Bank | Dakota Western Bank |
|---|---|---|
| Headquarters City | NEWARK | BOWMAN |
| Headquarters State | NJ | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 41 | 34 |
| Established | Sept. 1, 1995, midnight | Jan. 1, 1910, 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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