Bank Comparison
MT. Victory State Bank vs Peoples Bank of Macon
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 6
winning metrics across 15 comparable rows
Capital adequacy
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.41% | 13.11% |
| Equity / Assets | 9.74% | 13.00% |
Profitability
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 0.33% |
| Return on Equity (ROE) | 13.59% | 2.49% |
| Net Interest Margin (NIM) | 4.78% | 2.97% |
| Yield on Earning Assets | 6.07% | 3.81% |
| Cost of Funds | 1.43% | 0.91% |
Asset quality
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| Texas Ratio | 10.13% | 0.29% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 2.58% | 1.26% |
Balance sheet
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| Total Assets | $23,493K | $23,569K |
| Total Deposits | $21,187K | $20,433K |
| Total Loans | $14,178K | $6,011K |
| Total Equity | $2,289K | $3,063K |
| Net Income (quarter) | $77 | $19 |
Liquidity & funding
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| Loan-to-Deposit Ratio | 66.92% | 29.42% |
| Core Deposit Ratio | 89.73% | 89.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | MT. Victory State Bank | Peoples Bank of Macon |
|---|---|---|
| Headquarters City | MOUNT VICTORY | MACON |
| Headquarters State | OH | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | Sept. 14, 1929, midnight | May 11, 1964, 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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