Bank Comparison
Peru Federal Savings Bank vs Halstead Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| CET1 Ratio | 32.63% | 11.93% |
| Tier 1 Capital Ratio | 32.63% | 11.93% |
| Total Capital Ratio | 33.47% | 13.18% |
| Tier 1 Leverage Ratio | 16.08% | 8.50% |
| Equity / Assets | 15.26% | 8.42% |
Profitability
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 1.44% |
| Return on Equity (ROE) | 4.56% | 17.24% |
| Net Interest Margin (NIM) | 2.99% | 4.38% |
| Yield on Earning Assets | 4.60% | 6.12% |
| Cost of Funds | 1.85% | 1.90% |
Asset quality
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| Texas Ratio | 1.23% | 2.43% |
| Non-Performing Loan Ratio | 0.37% | 0.25% |
| Non-Performing Asset Ratio | 0.19% | 0.17% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 0.76% | 1.36% |
Balance sheet
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| Total Assets | $211,123K | $211,043K |
| Total Deposits | $175,562K | $192,516K |
| Total Loans | $109,864K | $140,478K |
| Total Equity | $32,222K | $17,760K |
| Net Income (quarter) | $367 | $756 |
Liquidity & funding
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 62.58% | 72.97% |
| Core Deposit Ratio | 90.68% | 94.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peru Federal Savings Bank | Halstead Bank, the |
|---|---|---|
| Headquarters City | PERU | HALSTEAD |
| Headquarters State | IL | KS |
| Asset Tier | Small | Small |
| Charter Class | 703367 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 24 | 26 |
| Established | Jan. 1, 1887, midnight | March 10, 1882, 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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