Bank Comparison
Peoples State Bank of Velva vs 1st Advantage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| CET1 Ratio | 12.74% | 11.07% |
| Tier 1 Capital Ratio | 12.74% | 11.07% |
| Total Capital Ratio | 13.99% | 12.27% |
| Tier 1 Leverage Ratio | 9.47% | 9.31% |
| Equity / Assets | 8.44% | 9.47% |
Profitability
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 1.05% |
| Return on Equity (ROE) | 16.11% | 11.48% |
| Net Interest Margin (NIM) | 3.89% | 3.62% |
| Yield on Earning Assets | 5.96% | 5.78% |
| Cost of Funds | 2.18% | 2.32% |
Asset quality
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| Texas Ratio | 1.48% | 0.39% |
| Non-Performing Loan Ratio | 0.21% | 0.05% |
| Non-Performing Asset Ratio | 0.14% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.17% |
| ACL / Loans | 1.38% | 1.21% |
Balance sheet
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| Total Assets | $206,073K | $206,068K |
| Total Deposits | $187,530K | $185,268K |
| Total Loans | $135,361K | $172,877K |
| Total Equity | $17,394K | $19,509K |
| Net Income (quarter) | $699 | $552 |
Liquidity & funding
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.18% | 93.31% |
| Core Deposit Ratio | 89.52% | 82.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank of Velva | 1st Advantage Bank |
|---|---|---|
| Headquarters City | VELVA | SAINT PETERS |
| Headquarters State | ND | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 20 | 22 |
| Established | Jan. 1, 1915, midnight | Jan. 31, 2005, 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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