Bank Comparison
Solutions North Bank vs Home State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| CET1 Ratio | 14.03% | 10.14% |
| Tier 1 Capital Ratio | 14.03% | 10.14% |
| Total Capital Ratio | 15.29% | 11.40% |
| Tier 1 Leverage Ratio | 10.53% | 9.11% |
| Equity / Assets | 11.89% | 8.57% |
Profitability
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.33% | -1.26% |
| Return on Equity (ROE) | 11.25% | -14.57% |
| Net Interest Margin (NIM) | 3.95% | 3.61% |
| Yield on Earning Assets | 5.70% | 6.01% |
| Cost of Funds | 1.95% | 2.57% |
Asset quality
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| Texas Ratio | 4.49% | 31.17% |
| Non-Performing Loan Ratio | 0.81% | 3.02% |
| Non-Performing Asset Ratio | 0.49% | 2.61% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.79% | 2.42% |
Balance sheet
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| Total Assets | $485,430K | $485,710K |
| Total Deposits | $408,418K | $442,109K |
| Total Loans | $292,829K | $385,395K |
| Total Equity | $57,700K | $41,621K |
| Net Income (quarter) | $1,617K | $-1,499 |
Liquidity & funding
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.70% | 87.17% |
| Core Deposit Ratio | 89.41% | 72.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Solutions North Bank | Home State Bank |
|---|---|---|
| Headquarters City | STOCKTON | JEFFERSON |
| Headquarters State | KS | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 60 | 59 |
| Established | Jan. 2, 1951, 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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