Bank Comparison
Outdoor Bank vs First Independent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| CET1 Ratio | — | 12.31% |
| Tier 1 Capital Ratio | — | 12.31% |
| Total Capital Ratio | — | 13.35% |
| Tier 1 Leverage Ratio | 9.52% | 9.89% |
| Equity / Assets | 10.02% | 9.30% |
Profitability
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| Return on Assets (ROA) | 0.45% | 1.39% |
| Return on Equity (ROE) | 4.46% | 16.07% |
| Net Interest Margin (NIM) | 3.90% | 3.75% |
| Yield on Earning Assets | 6.32% | 5.49% |
| Cost of Funds | 2.50% | 1.90% |
Asset quality
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| Texas Ratio | 22.28% | 1.54% |
| Non-Performing Loan Ratio | 2.96% | 0.17% |
| Non-Performing Asset Ratio | 2.43% | 0.15% |
| Net Charge-Off Ratio | -0.27% | 0.00% |
| ACL / Loans | 2.53% | 1.16% |
Balance sheet
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| Total Assets | $633,993K | $634,126K |
| Total Deposits | $556,999K | $537,424K |
| Total Loans | $473,503K | $426,579K |
| Total Equity | $63,525K | $58,997K |
| Net Income (quarter) | $705 | $2,141K |
Liquidity & funding
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.01% | 79.37% |
| Core Deposit Ratio | 95.66% | 86.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Outdoor Bank | First Independent Bank |
|---|---|---|
| Headquarters City | MANHATTAN | RUSSELL |
| Headquarters State | KS | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 12 |
| Employees (FTE) | 90 | 86 |
| Established | Jan. 1, 1897, midnight | Jan. 1, 1903, 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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