Bank Comparison
Minster Bank vs Cusb Bank
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At Q2 2026, Cusb Bank is the larger bank, with $812.1M in total assets to Minster Bank's $811.6M; Minster Bank has the higher return on assets (1.66% vs 1.59%).
vs
9 · 4
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| CET1 Ratio | 16.09% | — |
| Tier 1 Capital Ratio | 16.09% | — |
| Total Capital Ratio | 17.22% | — |
| Tier 1 Leverage Ratio | 10.08% | 12.27% |
| Equity / Assets | 8.89% | 11.77% |
Profitability
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 1.59% |
| Return on Equity (ROE) | 19.56% | 13.83% |
| Net Interest Margin (NIM) | 3.82% | 3.73% |
| Yield on Earning Assets | 5.08% | 5.68% |
| Cost of Funds | 1.38% | 2.20% |
Asset quality
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| Texas Ratio | 0.84% | 4.84% |
| Non-Performing Loan Ratio | 0.14% | 0.65% |
| Non-Performing Asset Ratio | 0.08% | 0.56% |
| Net Charge-Off Ratio | 0.01% | 0.28% |
| ACL / Loans | 1.20% | 1.40% |
Balance sheet
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| Total Assets | $811.6M | $812.1M |
| Total Deposits | $719.4M | $699.3M |
| Total Loans | $462.5M | $643.1M |
| Total Equity | $72.2M | $95.6M |
| Net Income (quarter) | $3.4M | $3.3M |
Liquidity & funding
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 64.30% | 91.97% |
| Core Deposit Ratio | 94.71% | 87.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Minster Bank | Cusb Bank |
|---|---|---|
| Headquarters City | Minster | Cresco |
| Headquarters State | OH | IA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FED |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 94 | 105 |
| Established | January 23, 1914 | April 1, 1888 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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