Bank Comparison
ST. Ansgar State Bank vs Highlands Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.48% | 12.35% |
| Equity / Assets | 9.54% | 10.70% |
Profitability
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.03% | 0.44% |
| Return on Equity (ROE) | 10.92% | 4.18% |
| Net Interest Margin (NIM) | 2.88% | 3.21% |
| Yield on Earning Assets | 4.92% | 4.57% |
| Cost of Funds | 2.21% | 1.48% |
Asset quality
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| Texas Ratio | 3.60% | 8.62% |
| Non-Performing Loan Ratio | 0.00% | 2.20% |
| Non-Performing Asset Ratio | 0.00% | 0.98% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 0.80% | 1.48% |
Balance sheet
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| Total Assets | $189,417K | $189,654K |
| Total Deposits | $142,904K | $168,152K |
| Total Loans | $131,842K | $84,270K |
| Total Equity | $18,071K | $20,287K |
| Net Income (quarter) | $490 | $213 |
Liquidity & funding
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.26% | 50.12% |
| Core Deposit Ratio | 92.26% | 81.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | ST. Ansgar State Bank | Highlands Community Bank |
|---|---|---|
| Headquarters City | SAINT ANSGAR | COVINGTON |
| Headquarters State | IA | VA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 18 | 33 |
| Established | March 28, 1891, midnight | Sept. 16, 2002, 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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