Bank Comparison
Security State Bank vs Home State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| CET1 Ratio | — | 10.14% |
| Tier 1 Capital Ratio | — | 10.14% |
| Total Capital Ratio | — | 11.40% |
| Tier 1 Leverage Ratio | 10.85% | 9.11% |
| Equity / Assets | 10.80% | 8.57% |
Profitability
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.64% | -1.26% |
| Return on Equity (ROE) | 24.53% | -14.57% |
| Net Interest Margin (NIM) | 4.11% | 3.61% |
| Yield on Earning Assets | 6.59% | 6.01% |
| Cost of Funds | 2.71% | 2.57% |
Asset quality
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| Texas Ratio | 2.72% | 31.17% |
| Non-Performing Loan Ratio | 0.11% | 3.02% |
| Non-Performing Asset Ratio | 0.17% | 2.61% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.10% | 2.42% |
Balance sheet
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| Total Assets | $485,282K | $485,710K |
| Total Deposits | $337,193K | $442,109K |
| Total Loans | $444,260K | $385,395K |
| Total Equity | $52,419K | $41,621K |
| Net Income (quarter) | $3,188K | $-1,499 |
Liquidity & funding
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 131.75% | 87.17% |
| Core Deposit Ratio | 96.32% | 72.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security State Bank | Home State Bank |
|---|---|---|
| Headquarters City | SUTHERLAND | JEFFERSON |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 34 | 59 |
| Established | Jan. 1, 1931, 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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