Bank Comparison
Mayville Savings Bank vs Heartland State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| CET1 Ratio | 27.47% | — |
| Tier 1 Capital Ratio | 27.47% | — |
| Total Capital Ratio | 28.68% | — |
| Tier 1 Leverage Ratio | 13.80% | 9.86% |
| Equity / Assets | 13.56% | 8.59% |
Profitability
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.15% | 0.45% |
| Return on Equity (ROE) | 8.61% | 5.18% |
| Net Interest Margin (NIM) | 3.87% | 2.93% |
| Yield on Earning Assets | 5.10% | 4.61% |
| Cost of Funds | 1.38% | 1.71% |
Asset quality
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| Texas Ratio | 1.39% | 14.20% |
| Non-Performing Loan Ratio | 0.34% | 3.46% |
| Non-Performing Asset Ratio | 0.20% | 1.30% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.01% | 1.53% |
Balance sheet
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| Total Assets | $77,774K | $77,594K |
| Total Deposits | $66,988K | $70,449K |
| Total Loans | $45,152K | $29,222K |
| Total Equity | $10,547K | $6,663K |
| Net Income (quarter) | $226 | $86 |
Liquidity & funding
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.40% | 41.48% |
| Core Deposit Ratio | 90.98% | 90.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mayville Savings Bank | Heartland State Bank |
|---|---|---|
| Headquarters City | MAYVILLE | EDGELEY |
| Headquarters State | WI | ND |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 13 | 11 |
| Established | Jan. 1, 1922, midnight | Jan. 1, 1921, 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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