Bank Comparison
Northeast Security Bank vs James Polk Stone Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| CET1 Ratio | 14.95% | — |
| Tier 1 Capital Ratio | 14.95% | — |
| Total Capital Ratio | 16.20% | — |
| Tier 1 Leverage Ratio | 10.68% | 9.92% |
| Equity / Assets | 11.27% | 7.82% |
Profitability
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 2.01% |
| Return on Equity (ROE) | 10.92% | 25.69% |
| Net Interest Margin (NIM) | 3.21% | 4.69% |
| Yield on Earning Assets | 4.76% | 5.68% |
| Cost of Funds | 1.66% | 1.03% |
Asset quality
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| Texas Ratio | 0.00% | 9.10% |
| Non-Performing Loan Ratio | 0.00% | 1.81% |
| Non-Performing Asset Ratio | 0.00% | 0.81% |
| Net Charge-Off Ratio | 0.50% | 0.18% |
| ACL / Loans | 1.45% | 2.44% |
Balance sheet
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| Total Assets | $443,315K | $443,218K |
| Total Deposits | $353,912K | $377,952K |
| Total Loans | $272,786K | $198,769K |
| Total Equity | $49,967K | $34,658K |
| Net Income (quarter) | $1,376K | $2,220K |
Liquidity & funding
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.08% | 52.59% |
| Core Deposit Ratio | 92.81% | 96.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northeast Security Bank | James Polk Stone Community Bank |
|---|---|---|
| Headquarters City | SUMNER | PORTALES |
| Headquarters State | IA | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 8 |
| Employees (FTE) | 44 | 93 |
| Established | Jan. 1, 1888, midnight | July 30, 1906, 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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