Bank Comparison
Peoples Bank of Macon vs First State Bank of Swanville
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 12
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| CET1 Ratio | — | 27.87% |
| Tier 1 Capital Ratio | — | 27.87% |
| Total Capital Ratio | — | 29.12% |
| Tier 1 Leverage Ratio | 13.11% | 19.32% |
| Equity / Assets | 13.00% | 19.25% |
Profitability
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 1.59% |
| Return on Equity (ROE) | 2.49% | 8.33% |
| Net Interest Margin (NIM) | 2.97% | 5.81% |
| Yield on Earning Assets | 3.81% | 6.03% |
| Cost of Funds | 0.91% | 0.28% |
Asset quality
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| Texas Ratio | 0.29% | 21.89% |
| Non-Performing Loan Ratio | 0.00% | 5.88% |
| Non-Performing Asset Ratio | 0.00% | 4.46% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.26% | 1.86% |
Balance sheet
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| Total Assets | $23,569K | $23,429K |
| Total Deposits | $20,433K | $18,581K |
| Total Loans | $6,011K | $14,957K |
| Total Equity | $3,063K | $4,510K |
| Net Income (quarter) | $19 | $93 |
Liquidity & funding
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| Loan-to-Deposit Ratio | 29.42% | 80.50% |
| Core Deposit Ratio | 89.08% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Macon | First State Bank of Swanville |
|---|---|---|
| Headquarters City | MACON | SWANVILLE |
| Headquarters State | IL | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | May 11, 1964, midnight | May 1, 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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