Bank Comparison
Produce State Bank vs First State Bank of Le Center
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| CET1 Ratio | — | 12.93% |
| Tier 1 Capital Ratio | — | 12.93% |
| Total Capital Ratio | — | 13.95% |
| Tier 1 Leverage Ratio | 10.12% | 10.67% |
| Equity / Assets | 10.76% | 10.46% |
Profitability
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.81% |
| Return on Equity (ROE) | 12.19% | 17.29% |
| Net Interest Margin (NIM) | 4.53% | 4.63% |
| Yield on Earning Assets | 5.26% | 5.75% |
| Cost of Funds | 0.80% | 1.22% |
Asset quality
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| Texas Ratio | 8.03% | 5.41% |
| Non-Performing Loan Ratio | 1.18% | 0.83% |
| Non-Performing Asset Ratio | 0.65% | 0.57% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.97% | 1.24% |
Balance sheet
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| Total Assets | $110,591K | $110,909K |
| Total Deposits | $98,183K | $92,872K |
| Total Loans | $61,374K | $76,138K |
| Total Equity | $11,895K | $11,600K |
| Net Income (quarter) | $366 | $509 |
Liquidity & funding
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| Loan-to-Deposit Ratio | 62.51% | 81.98% |
| Core Deposit Ratio | 98.01% | 92.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Produce State Bank | First State Bank of Le Center |
|---|---|---|
| Headquarters City | HOLLANDALE | LE CENTER |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 20 | 16 |
| Established | Aug. 2, 1926, 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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