Bank Comparison
Raccoon Valley Bank vs Ohnward Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| CET1 Ratio | 11.17% | — |
| Tier 1 Capital Ratio | 11.17% | — |
| Total Capital Ratio | 12.42% | — |
| Tier 1 Leverage Ratio | 9.43% | 12.65% |
| Equity / Assets | 9.08% | 12.13% |
Profitability
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.57% | 1.37% |
| Return on Equity (ROE) | 17.10% | 11.32% |
| Net Interest Margin (NIM) | 3.85% | 3.94% |
| Yield on Earning Assets | 5.85% | 5.93% |
| Cost of Funds | 2.15% | 2.21% |
Asset quality
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| Texas Ratio | 6.87% | 8.04% |
| Non-Performing Loan Ratio | 0.70% | 1.31% |
| Non-Performing Asset Ratio | 0.68% | 1.02% |
| Net Charge-Off Ratio | -0.32% | 0.03% |
| ACL / Loans | 1.41% | 1.09% |
Balance sheet
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| Total Assets | $489,908K | $489,249K |
| Total Deposits | $435,435K | $408,837K |
| Total Loans | $377,090K | $380,799K |
| Total Equity | $44,490K | $59,356K |
| Net Income (quarter) | $1,883K | $1,663K |
Liquidity & funding
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 86.60% | 93.14% |
| Core Deposit Ratio | 79.80% | 87.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Raccoon Valley Bank | Ohnward Bank & Trust |
|---|---|---|
| Headquarters City | PERRY | CASCADE |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 6 |
| Employees (FTE) | 52 | 61 |
| Established | Jan. 1, 1927, midnight | Feb. 28, 1903, 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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