Bank Comparison
Peoples Bank, the vs Mid-america Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| CET1 Ratio | 15.22% | 12.22% |
| Tier 1 Capital Ratio | 15.22% | 12.22% |
| Total Capital Ratio | 16.47% | 13.29% |
| Tier 1 Leverage Ratio | 9.14% | 9.68% |
| Equity / Assets | 7.28% | 9.79% |
Profitability
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| Return on Assets (ROA) | 3.58% | 1.58% |
| Return on Equity (ROE) | 51.18% | 16.38% |
| Net Interest Margin (NIM) | 3.67% | 3.40% |
| Yield on Earning Assets | 5.21% | 6.30% |
| Cost of Funds | 1.56% | 3.18% |
Asset quality
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| Texas Ratio | 15.09% | 0.98% |
| Non-Performing Loan Ratio | 0.26% | 0.00% |
| Non-Performing Asset Ratio | 0.96% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.64% | 0.99% |
Balance sheet
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| Total Assets | $548,080K | $566,810K |
| Total Deposits | $504,662K | $435,266K |
| Total Loans | $264,959K | $442,895K |
| Total Equity | $39,888K | $55,465K |
| Net Income (quarter) | $4,882K | $2,244K |
Liquidity & funding
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.50% | 101.75% |
| Core Deposit Ratio | 79.12% | 88.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank, the | Mid-america Bank |
|---|---|---|
| Headquarters City | PRATT | BALDWIN CITY |
| Headquarters State | KS | KS |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 76 | 65 |
| Established | May 20, 1887, midnight | Dec. 11, 1900, 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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