Bank Comparison
Midwest Heritage Bank, FSB vs Ohnward Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| CET1 Ratio | 17.48% | — |
| Tier 1 Capital Ratio | 17.48% | — |
| Total Capital Ratio | 18.48% | — |
| Tier 1 Leverage Ratio | 14.10% | 12.65% |
| Equity / Assets | 14.13% | 12.13% |
Profitability
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.37% |
| Return on Equity (ROE) | 6.66% | 11.32% |
| Net Interest Margin (NIM) | 3.89% | 3.94% |
| Yield on Earning Assets | 5.55% | 5.93% |
| Cost of Funds | 1.90% | 2.21% |
Asset quality
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| Texas Ratio | 8.75% | 8.04% |
| Non-Performing Loan Ratio | 1.58% | 1.31% |
| Non-Performing Asset Ratio | 1.24% | 1.02% |
| Net Charge-Off Ratio | 0.02% | 0.03% |
| ACL / Loans | 1.01% | 1.09% |
Balance sheet
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| Total Assets | $490,003K | $489,249K |
| Total Deposits | $399,959K | $408,837K |
| Total Loans | $384,727K | $380,799K |
| Total Equity | $69,249K | $59,356K |
| Net Income (quarter) | $1,146K | $1,663K |
Liquidity & funding
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 96.19% | 93.14% |
| Core Deposit Ratio | 90.93% | 87.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Midwest Heritage Bank, FSB | Ohnward Bank & Trust |
|---|---|---|
| Headquarters City | WEST DES MOINES | CASCADE |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 712423 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 14 | 6 |
| Employees (FTE) | 138 | 61 |
| Established | April 1, 1930, midnight | Feb. 28, 1903, 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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