Bank Comparison
Prescott State Bank vs Dysart State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 10
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| CET1 Ratio | — | 15.60% |
| Tier 1 Capital Ratio | — | 15.60% |
| Total Capital Ratio | — | 16.63% |
| Tier 1 Leverage Ratio | 14.69% | 11.06% |
| Equity / Assets | 14.77% | 11.07% |
Profitability
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.64% | 1.87% |
| Return on Equity (ROE) | 4.36% | 17.13% |
| Net Interest Margin (NIM) | 3.50% | 5.12% |
| Yield on Earning Assets | 5.05% | 5.89% |
| Cost of Funds | 1.77% | 0.71% |
Asset quality
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 6.46% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.44% | 1.02% |
Balance sheet
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| Total Assets | $16,875K | $17,053K |
| Total Deposits | $13,898K | $13,751K |
| Total Loans | $8,388K | $12,227K |
| Total Equity | $2,492K | $1,888K |
| Net Income (quarter) | $27 | $80 |
Liquidity & funding
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.35% | 88.92% |
| Core Deposit Ratio | 88.22% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Prescott State Bank | Dysart State Bank |
|---|---|---|
| Headquarters City | PRESCOTT | DYSART |
| Headquarters State | KS | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 6 |
| Established | Sept. 26, 1904, midnight | Jan. 1, 1934, 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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