Bank Comparison
State Bank vs Hometown National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| CET1 Ratio | 10.60% | 19.54% |
| Tier 1 Capital Ratio | 10.60% | 19.54% |
| Total Capital Ratio | 11.47% | 20.62% |
| Tier 1 Leverage Ratio | 9.05% | 10.95% |
| Equity / Assets | 6.95% | 10.43% |
Profitability
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.31% | 0.93% |
| Return on Equity (ROE) | 4.26% | 9.06% |
| Net Interest Margin (NIM) | 3.11% | 3.06% |
| Yield on Earning Assets | 5.07% | 4.29% |
| Cost of Funds | 1.97% | 1.35% |
Asset quality
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| Texas Ratio | 31.34% | 0.80% |
| Non-Performing Loan Ratio | 3.83% | 0.18% |
| Non-Performing Asset Ratio | 2.40% | 0.08% |
| Net Charge-Off Ratio | 1.28% | -0.02% |
| ACL / Loans | 1.11% | 1.31% |
Balance sheet
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| Total Assets | $320,050K | $319,553K |
| Total Deposits | $291,627K | $278,573K |
| Total Loans | $200,500K | $149,427K |
| Total Equity | $22,255K | $33,336K |
| Net Income (quarter) | $235 | $750 |
Liquidity & funding
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.75% | 53.64% |
| Core Deposit Ratio | 90.24% | 97.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank | Hometown National Bank |
|---|---|---|
| Headquarters City | WATERLOO | LA SALLE |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 2503 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 54 | 43 |
| Established | Jan. 4, 1894, midnight | Dec. 16, 1880, 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.
View full State Bank profile | View full Hometown National Bank profile | Browse all bank comparisons