Bank Comparison
Ottoville Bank Company, the vs State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 21.64% | 11.35% |
| Equity / Assets | 20.27% | 8.02% |
Profitability
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.40% | 1.05% |
| Return on Equity (ROE) | 6.80% | 13.30% |
| Net Interest Margin (NIM) | 3.69% | 2.73% |
| Yield on Earning Assets | 4.63% | 4.26% |
| Cost of Funds | 1.08% | 1.67% |
Asset quality
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| Texas Ratio | 0.00% | 5.22% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.49% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 3.00% | 3.03% |
Balance sheet
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| Total Assets | $92,050K | $91,364K |
| Total Deposits | $71,546K | $83,655K |
| Total Loans | $39,894K | $42,419K |
| Total Equity | $18,654K | $7,327K |
| Net Income (quarter) | $320 | $244 |
Liquidity & funding
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 55.76% | 50.71% |
| Core Deposit Ratio | 89.26% | 90.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ottoville Bank Company, the | State Bank, the |
|---|---|---|
| Headquarters City | OTTOVILLE | SPIRIT LAKE |
| Headquarters State | OH | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 9 | 11 |
| Established | Jan. 1, 1904, midnight | Oct. 5, 1928, 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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