Bank Comparison
O'bannon Banking Company vs Midwest Independent Bankersbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| CET1 Ratio | — | 15.33% |
| Tier 1 Capital Ratio | — | 15.33% |
| Total Capital Ratio | — | 16.59% |
| Tier 1 Leverage Ratio | 9.00% | 14.75% |
| Equity / Assets | 8.48% | 14.69% |
Profitability
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 1.55% |
| Return on Equity (ROE) | 11.73% | 10.71% |
| Net Interest Margin (NIM) | 4.00% | 4.05% |
| Yield on Earning Assets | 5.96% | 5.68% |
| Cost of Funds | 2.12% | 1.82% |
Asset quality
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| Texas Ratio | 11.78% | 0.00% |
| Non-Performing Loan Ratio | 1.50% | 0.00% |
| Non-Performing Asset Ratio | 1.10% | 0.00% |
| Net Charge-Off Ratio | -0.01% | -0.07% |
| ACL / Loans | 1.17% | 1.81% |
Balance sheet
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| Total Assets | $333,810K | $339,547K |
| Total Deposits | $299,636K | $272,233K |
| Total Loans | $245,311K | $258,189K |
| Total Equity | $28,298K | $49,873K |
| Net Income (quarter) | $831 | $1,319K |
Liquidity & funding
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.87% | 94.84% |
| Core Deposit Ratio | 93.59% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | O'bannon Banking Company | Midwest Independent Bankersbank |
|---|---|---|
| Headquarters City | BUFFALO | JEFFERSON CITY |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 53 | 34 |
| Established | Nov. 20, 1905, midnight | Jan. 7, 1985, 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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