Bank Comparison
Madison Valley Bank vs First American State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| CET1 Ratio | 14.39% | 14.74% |
| Tier 1 Capital Ratio | 14.39% | 14.74% |
| Total Capital Ratio | 15.64% | 16.00% |
| Tier 1 Leverage Ratio | 9.26% | 9.37% |
| Equity / Assets | 8.18% | 8.95% |
Profitability
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.42% |
| Return on Equity (ROE) | 10.90% | 4.74% |
| Net Interest Margin (NIM) | 3.64% | 2.88% |
| Yield on Earning Assets | 4.76% | 5.46% |
| Cost of Funds | 1.19% | 2.87% |
Asset quality
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| Texas Ratio | 7.67% | 2.39% |
| Non-Performing Loan Ratio | 0.97% | 0.32% |
| Non-Performing Asset Ratio | 0.43% | 0.23% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.61% | 0.95% |
Balance sheet
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| Total Assets | $282,425K | $281,809K |
| Total Deposits | $258,431K | $201,421K |
| Total Loans | $126,807K | $199,881K |
| Total Equity | $23,093K | $25,209K |
| Net Income (quarter) | $631 | $301 |
Liquidity & funding
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.07% | 99.24% |
| Core Deposit Ratio | 92.73% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Madison Valley Bank | First American State Bank |
|---|---|---|
| Headquarters City | ENNIS | GREENWOOD VILLAGE |
| Headquarters State | MT | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 43 | 22 |
| Established | June 21, 1965, midnight | July 10, 1995, 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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