Bank Comparison
Security Bank of Pulaski County vs Northeast Missouri State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| CET1 Ratio | 13.32% | 22.91% |
| Tier 1 Capital Ratio | 13.32% | 22.91% |
| Total Capital Ratio | 14.55% | 23.92% |
| Tier 1 Leverage Ratio | 8.72% | 11.42% |
| Equity / Assets | 8.24% | 9.71% |
Profitability
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 1.49% |
| Return on Equity (ROE) | 12.11% | 15.22% |
| Net Interest Margin (NIM) | 4.50% | 2.91% |
| Yield on Earning Assets | 6.46% | 4.59% |
| Cost of Funds | 1.90% | 1.83% |
Asset quality
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| Texas Ratio | 11.46% | 0.25% |
| Non-Performing Loan Ratio | 1.08% | 0.01% |
| Non-Performing Asset Ratio | 1.01% | 0.01% |
| Net Charge-Off Ratio | 0.26% | 0.00% |
| ACL / Loans | 1.32% | 1.23% |
Balance sheet
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| Total Assets | $162,478K | $164,609K |
| Total Deposits | $146,392K | $147,877K |
| Total Loans | $95,694K | $65,565K |
| Total Equity | $13,383K | $15,978K |
| Net Income (quarter) | $403 | $605 |
Liquidity & funding
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.37% | 44.34% |
| Core Deposit Ratio | 90.43% | 88.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank of Pulaski County | Northeast Missouri State Bank |
|---|---|---|
| Headquarters City | SAINT ROBERT | KIRKSVILLE |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 29 | 13 |
| Established | Jan. 1, 1936, midnight | Jan. 21, 1932, 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.
View full Security Bank of Pulaski County profile | View full Northeast Missouri State Bank profile | Browse all bank comparisons