Bank Comparison
Saint Martin National Bank vs Liberty Savings Association, Fsa, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 3
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.30% | 24.20% |
| Equity / Assets | 14.39% | 24.12% |
Profitability
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| Return on Assets (ROA) | 2.39% | 0.21% |
| Return on Equity (ROE) | 16.37% | 0.88% |
| Net Interest Margin (NIM) | 3.62% | 3.07% |
| Yield on Earning Assets | 4.49% | 4.00% |
| Cost of Funds | 0.99% | 1.22% |
Asset quality
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| 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 | 1.55% | 0.68% |
Balance sheet
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| Total Assets | $28,581K | $28,332K |
| Total Deposits | $24,420K | $21,453K |
| Total Loans | $12,718K | $10,155K |
| Total Equity | $4,112K | $6,834K |
| Net Income (quarter) | $169 | $15 |
Liquidity & funding
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| Loan-to-Deposit Ratio | 52.08% | 47.34% |
| Core Deposit Ratio | 100.00% | 86.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Saint Martin National Bank | Liberty Savings Association, Fsa, the |
|---|---|---|
| Headquarters City | SAINT MARTIN | FORT SCOTT |
| Headquarters State | MN | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 15198 | 704214 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | Nov. 12, 1963, midnight | Jan. 1, 1919, 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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