Bank Comparison
South Story Bank & Trust vs American Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| CET1 Ratio | — | 15.54% |
| Tier 1 Capital Ratio | — | 15.54% |
| Total Capital Ratio | — | 16.80% |
| Tier 1 Leverage Ratio | 10.77% | 10.91% |
| Equity / Assets | 11.87% | 9.62% |
Profitability
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| Return on Assets (ROA) | 0.56% | 1.36% |
| Return on Equity (ROE) | 4.72% | 14.52% |
| Net Interest Margin (NIM) | 3.69% | 4.03% |
| Yield on Earning Assets | 6.16% | 5.45% |
| Cost of Funds | 2.80% | 1.51% |
Asset quality
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| Texas Ratio | 7.54% | 1.59% |
| Non-Performing Loan Ratio | 0.78% | 0.27% |
| Non-Performing Asset Ratio | 0.88% | 0.17% |
| Net Charge-Off Ratio | 0.08% | -0.01% |
| ACL / Loans | 1.22% | 1.71% |
Balance sheet
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| Total Assets | $607,348K | $608,481K |
| Total Deposits | $483,329K | $543,255K |
| Total Loans | $559,573K | $386,818K |
| Total Equity | $72,064K | $58,540K |
| Net Income (quarter) | $845 | $2,113K |
Liquidity & funding
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 115.77% | 71.20% |
| Core Deposit Ratio | 92.63% | 96.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | South Story Bank & Trust | American Bank |
|---|---|---|
| Headquarters City | SLATER | BOZEMAN |
| Headquarters State | IA | MT |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 85 | 80 |
| Established | Sept. 1, 1954, midnight | July 27, 1970, 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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