Bank Comparison
Midstates Bank, N.A. vs Four Corners Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| CET1 Ratio | 16.57% | — |
| Tier 1 Capital Ratio | 16.57% | — |
| Total Capital Ratio | 17.83% | — |
| Tier 1 Leverage Ratio | 11.80% | 9.80% |
| Equity / Assets | 10.52% | 8.99% |
Profitability
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 2.31% |
| Return on Equity (ROE) | 13.12% | 25.92% |
| Net Interest Margin (NIM) | 3.75% | 4.11% |
| Yield on Earning Assets | 4.98% | 5.80% |
| Cost of Funds | 1.38% | 1.86% |
Asset quality
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| Texas Ratio | 1.96% | 2.56% |
| Non-Performing Loan Ratio | 0.34% | 0.39% |
| Non-Performing Asset Ratio | 0.23% | 0.26% |
| Net Charge-Off Ratio | 0.05% | 0.11% |
| ACL / Loans | 2.13% | 1.71% |
Balance sheet
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| Total Assets | $631,356K | $632,322K |
| Total Deposits | $542,904K | $544,751K |
| Total Loans | $428,958K | $423,246K |
| Total Equity | $66,433K | $56,818K |
| Net Income (quarter) | $2,165K | $3,650K |
Liquidity & funding
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.01% | 77.70% |
| Core Deposit Ratio | 90.72% | 85.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Midstates Bank, N.A. | Four Corners Community Bank |
|---|---|---|
| Headquarters City | COUNCIL BLUFFS | FARMINGTON |
| Headquarters State | IA | NM |
| Asset Tier | Medium | Medium |
| Charter Class | 10354 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 10 | 6 |
| Employees (FTE) | 92 | 86 |
| Established | Jan. 1, 1913, midnight | March 1, 2000, 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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