Bank Comparison
Security Trust & Savings Bank vs Nekoosa Port Edwards State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 14
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| CET1 Ratio | 31.34% | 27.66% |
| Tier 1 Capital Ratio | 31.34% | 27.66% |
| Total Capital Ratio | 32.60% | 28.93% |
| Tier 1 Leverage Ratio | 10.27% | 14.41% |
| Equity / Assets | 9.19% | 14.19% |
Profitability
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.20% | 1.78% |
| Return on Equity (ROE) | 12.65% | 12.71% |
| Net Interest Margin (NIM) | 2.63% | 2.91% |
| Yield on Earning Assets | 4.27% | 4.75% |
| Cost of Funds | 1.77% | 2.16% |
Asset quality
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| Texas Ratio | 2.42% | 0.41% |
| Non-Performing Loan Ratio | 0.79% | 0.10% |
| Non-Performing Asset Ratio | 0.22% | 0.06% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.75% | 2.21% |
Balance sheet
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| Total Assets | $283,704K | $283,680K |
| Total Deposits | $257,057K | $241,762K |
| Total Loans | $79,644K | $179,906K |
| Total Equity | $26,079K | $40,253K |
| Net Income (quarter) | $825 | $1,283K |
Liquidity & funding
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 30.98% | 74.41% |
| Core Deposit Ratio | 93.08% | 72.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Trust & Savings Bank | Nekoosa Port Edwards State Bank |
|---|---|---|
| Headquarters City | STORM LAKE | NEKOOSA |
| Headquarters State | IA | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 20 | 30 |
| Established | Jan. 1, 1908, midnight | Dec. 13, 1913, 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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