Bank Comparison
Northern State Bank vs Western Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| CET1 Ratio | 17.94% | 32.47% |
| Tier 1 Capital Ratio | 17.94% | 32.47% |
| Total Capital Ratio | 18.93% | 33.70% |
| Tier 1 Leverage Ratio | 9.91% | 11.96% |
| Equity / Assets | 9.96% | 10.96% |
Profitability
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 1.91% |
| Return on Equity (ROE) | 14.67% | 17.13% |
| Net Interest Margin (NIM) | 3.83% | 3.84% |
| Yield on Earning Assets | 5.18% | 4.33% |
| Cost of Funds | 1.42% | 0.52% |
Asset quality
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| Texas Ratio | 4.04% | 1.40% |
| Non-Performing Loan Ratio | 0.93% | 0.72% |
| Non-Performing Asset Ratio | 0.42% | 0.16% |
| Net Charge-Off Ratio | -0.01% | -0.06% |
| ACL / Loans | 1.10% | 2.00% |
Balance sheet
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| Total Assets | $328,842K | $328,609K |
| Total Deposits | $295,604K | $289,258K |
| Total Loans | $150,129K | $73,292K |
| Total Equity | $32,756K | $36,006K |
| Net Income (quarter) | $1,216K | $1,540K |
Liquidity & funding
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.79% | 25.34% |
| Core Deposit Ratio | 97.29% | 94.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northern State Bank | Western Bank |
|---|---|---|
| Headquarters City | ASHLAND | LORDSBURG |
| Headquarters State | WI | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 49 | 47 |
| Established | Sept. 5, 1933, midnight | Sept. 29, 1907, 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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