Bank Comparison
National Bank of ST. Anne vs Du Quoin State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 12
winning metrics across 22 comparable rows
Capital adequacy
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| CET1 Ratio | 11.25% | 24.31% |
| Tier 1 Capital Ratio | 11.25% | 24.31% |
| Total Capital Ratio | 12.40% | 25.39% |
| Tier 1 Leverage Ratio | 9.13% | 10.83% |
| Equity / Assets | 10.08% | 2.87% |
Profitability
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 0.95% |
| Return on Equity (ROE) | 10.29% | 27.88% |
| Net Interest Margin (NIM) | 4.76% | 3.22% |
| Yield on Earning Assets | 6.31% | 4.70% |
| Cost of Funds | 1.62% | 1.64% |
Asset quality
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| Texas Ratio | 12.32% | 1.48% |
| Non-Performing Loan Ratio | 0.74% | 0.15% |
| Non-Performing Asset Ratio | 0.60% | 0.05% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.09% | 1.44% |
Balance sheet
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| Total Assets | $144,032K | $143,158K |
| Total Deposits | $128,037K | $133,100K |
| Total Loans | $116,478K | $47,037K |
| Total Equity | $14,518K | $4,113K |
| Net Income (quarter) | $375 | $341 |
Liquidity & funding
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.97% | 35.34% |
| Core Deposit Ratio | 96.17% | 96.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | National Bank of ST. Anne | Du Quoin State Bank |
|---|---|---|
| Headquarters City | SAINT ANNE | DU QUOIN |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 14617 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 28 | 19 |
| Established | Dec. 4, 1948, midnight | April 17, 1915, 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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