Bank Comparison
Northview Bank vs Springfield State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.63% | 14.17% |
| Equity / Assets | 10.37% | 11.64% |
Profitability
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.45% | 1.12% |
| Return on Equity (ROE) | 13.73% | 9.51% |
| Net Interest Margin (NIM) | 4.81% | 2.91% |
| Yield on Earning Assets | 6.16% | 4.99% |
| Cost of Funds | 1.43% | 2.34% |
Asset quality
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| Texas Ratio | 4.61% | 2.42% |
| Non-Performing Loan Ratio | 0.52% | 0.37% |
| Non-Performing Asset Ratio | 0.40% | 0.26% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.33% | 1.10% |
Balance sheet
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| Total Assets | $477,816K | $477,932K |
| Total Deposits | $402,092K | $382,769K |
| Total Loans | $366,582K | $334,278K |
| Total Equity | $49,546K | $55,613K |
| Net Income (quarter) | $1,700K | $1,321K |
Liquidity & funding
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.17% | 87.33% |
| Core Deposit Ratio | 94.28% | 87.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Northview Bank | Springfield State Bank |
|---|---|---|
| Headquarters City | SANDSTONE | SPRINGFIELD |
| Headquarters State | MN | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 12 | 3 |
| Employees (FTE) | 112 | 40 |
| Established | Jan. 1, 1908, midnight | Jan. 1, 1911, 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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