Bank Comparison
Northeast Security Bank vs Central State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| CET1 Ratio | 14.95% | 14.30% |
| Tier 1 Capital Ratio | 14.95% | 14.30% |
| Total Capital Ratio | 16.20% | 15.55% |
| Tier 1 Leverage Ratio | 10.68% | 10.20% |
| Equity / Assets | 11.27% | 9.43% |
Profitability
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 1.41% |
| Return on Equity (ROE) | 10.92% | 14.68% |
| Net Interest Margin (NIM) | 3.21% | 3.12% |
| Yield on Earning Assets | 4.76% | 5.22% |
| Cost of Funds | 1.66% | 2.19% |
Asset quality
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.14% |
| Non-Performing Loan Ratio | 0.00% | 0.02% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | 0.50% | 0.00% |
| ACL / Loans | 1.45% | 1.45% |
Balance sheet
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| Total Assets | $443,315K | $441,188K |
| Total Deposits | $353,912K | $359,228K |
| Total Loans | $272,786K | $335,917K |
| Total Equity | $49,967K | $41,625K |
| Net Income (quarter) | $1,376K | $1,519K |
Liquidity & funding
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.08% | 93.51% |
| Core Deposit Ratio | 92.81% | 87.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northeast Security Bank | Central State Bank |
|---|---|---|
| Headquarters City | SUMNER | CORALVILLE |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 9 |
| Employees (FTE) | 44 | 41 |
| Established | Jan. 1, 1888, midnight | Nov. 12, 1931, 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.
View full Northeast Security Bank profile | View full Central State Bank profile | Browse all bank comparisons