Bank Comparison
Security State Bank of Oklee vs The Haviland State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| CET1 Ratio | 41.82% | 11.19% |
| Tier 1 Capital Ratio | 41.82% | 11.19% |
| Total Capital Ratio | 43.08% | 12.39% |
| Tier 1 Leverage Ratio | 15.71% | 7.99% |
| Equity / Assets | 15.73% | 7.47% |
Profitability
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.96% | 1.16% |
| Return on Equity (ROE) | 12.45% | 10.80% |
| Net Interest Margin (NIM) | 3.17% | 4.17% |
| Yield on Earning Assets | 4.94% | 6.12% |
| Cost of Funds | 2.08% | 2.12% |
Asset quality
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| 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% | -0.02% |
| ACL / Loans | 1.77% | 1.19% |
Balance sheet
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| Total Assets | $47,585K | $47,756K |
| Total Deposits | $39,880K | $40,306K |
| Total Loans | $19,716K | $34,214K |
| Total Equity | $7,483K | $3,568K |
| Net Income (quarter) | $232 | $140 |
Liquidity & funding
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.44% | 84.89% |
| Core Deposit Ratio | 97.88% | 90.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security State Bank of Oklee | The Haviland State Bank |
|---|---|---|
| Headquarters City | OKLEE | Haviland |
| Headquarters State | MN | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 8 | 8 |
| Established | Jan. 1, 1934, midnight | Aug. 31, 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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