Bank Comparison
Minnesota First Credit and Savings, Incorporated vs Dewey Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| CET1 Ratio | 20.86% | 13.05% |
| Tier 1 Capital Ratio | 20.86% | 13.05% |
| Total Capital Ratio | 22.12% | 13.49% |
| Tier 1 Leverage Ratio | 14.23% | 9.94% |
| Equity / Assets | 14.04% | 12.75% |
Profitability
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| Return on Assets (ROA) | 0.30% | 1.56% |
| Return on Equity (ROE) | 2.09% | 12.79% |
| Net Interest Margin (NIM) | 4.15% | 4.99% |
| Yield on Earning Assets | 7.56% | 6.16% |
| Cost of Funds | 3.83% | 1.28% |
Asset quality
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| Texas Ratio | 0.61% | 0.00% |
| Non-Performing Loan Ratio | 0.11% | 0.00% |
| Non-Performing Asset Ratio | 0.09% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.57% | 0.47% |
Balance sheet
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| Total Assets | $30,012K | $30,279K |
| Total Deposits | $25,051K | $26,341K |
| Total Loans | $26,036K | $22,122K |
| Total Equity | $4,215K | $3,860K |
| Net Income (quarter) | $22 | $123 |
Liquidity & funding
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 103.93% | 83.98% |
| Core Deposit Ratio | 100.00% | 92.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Minnesota First Credit and Savings, Incorporated | Dewey Bank |
|---|---|---|
| Headquarters City | ROCHESTER | DEWEY |
| Headquarters State | MN | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 6 | 8 |
| Established | Jan. 1, 1956, midnight | Jan. 1, 1902, 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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