Bank Comparison
Pikes Peak National Bank vs First State Bank of Le Center
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 9
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| CET1 Ratio | 23.18% | 12.93% |
| Tier 1 Capital Ratio | 23.18% | 12.93% |
| Total Capital Ratio | 24.44% | 13.95% |
| Tier 1 Leverage Ratio | 15.54% | 10.67% |
| Equity / Assets | 15.22% | 10.46% |
Profitability
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 1.81% |
| Return on Equity (ROE) | 3.50% | 17.29% |
| Net Interest Margin (NIM) | 4.37% | 4.63% |
| Yield on Earning Assets | 5.56% | 5.75% |
| Cost of Funds | 1.34% | 1.22% |
Asset quality
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| Texas Ratio | 0.00% | 5.41% |
| Non-Performing Loan Ratio | 0.00% | 0.83% |
| Non-Performing Asset Ratio | 0.00% | 0.57% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.58% | 1.24% |
Balance sheet
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| Total Assets | $110,717K | $110,909K |
| Total Deposits | $93,133K | $92,872K |
| Total Loans | $71,861K | $76,138K |
| Total Equity | $16,854K | $11,600K |
| Net Income (quarter) | $147 | $509 |
Liquidity & funding
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| Loan-to-Deposit Ratio | 77.16% | 81.98% |
| Core Deposit Ratio | 88.44% | 92.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pikes Peak National Bank | First State Bank of Le Center |
|---|---|---|
| Headquarters City | COLORADO SPRINGS | LE CENTER |
| Headquarters State | CO | MN |
| Asset Tier | Small | Small |
| Charter Class | 15058 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 27 | 16 |
| Established | July 1, 1957, midnight | Jan. 1, 1902, 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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