Bank Comparison
Peoples Bank of Wyaconda vs The State 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 | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| CET1 Ratio | — | 31.82% |
| Tier 1 Capital Ratio | — | 31.82% |
| Total Capital Ratio | — | 33.08% |
| Tier 1 Leverage Ratio | 10.32% | 18.14% |
| Equity / Assets | 10.15% | 17.92% |
Profitability
| Metric | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.40% | 4.49% |
| Return on Equity (ROE) | 14.01% | 26.64% |
| Net Interest Margin (NIM) | 3.83% | 4.55% |
| Yield on Earning Assets | 5.92% | 5.33% |
| Cost of Funds | 2.30% | 0.90% |
Asset quality
| Metric | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| Texas Ratio | 0.64% | 1.49% |
| Non-Performing Loan Ratio | 0.00% | 0.54% |
| Non-Performing Asset Ratio | 0.00% | 0.28% |
| Net Charge-Off Ratio | -0.19% | 0.02% |
| ACL / Loans | 1.86% | 1.61% |
Balance sheet
| Metric | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| Total Assets | $145,011K | $144,967K |
| Total Deposits | $128,241K | $118,703K |
| Total Loans | $102,881K | $74,241K |
| Total Equity | $14,720K | $25,984K |
| Net Income (quarter) | $512 | $1,671K |
Liquidity & funding
| Metric | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.22% | 62.54% |
| Core Deposit Ratio | 93.54% | 95.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Wyaconda | The State Bank |
|---|---|---|
| Headquarters City | KAHOKA | La Junta |
| Headquarters State | MO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 26 | 25 |
| Established | Dec. 17, 1914, midnight | Jan. 16, 1893, 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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