Bank Comparison
State Bank of Whittington vs Goose River Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| CET1 Ratio | 15.18% | — |
| Tier 1 Capital Ratio | 15.18% | — |
| Total Capital Ratio | 16.15% | — |
| Tier 1 Leverage Ratio | 11.45% | 11.49% |
| Equity / Assets | 10.25% | 10.90% |
Profitability
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.01% |
| Return on Equity (ROE) | 11.62% | 9.10% |
| Net Interest Margin (NIM) | 4.52% | 4.31% |
| Yield on Earning Assets | 5.46% | 5.78% |
| Cost of Funds | 0.98% | 1.53% |
Asset quality
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| Texas Ratio | 18.42% | 14.48% |
| Non-Performing Loan Ratio | 1.77% | 1.89% |
| Non-Performing Asset Ratio | 1.19% | 1.37% |
| Net Charge-Off Ratio | 0.34% | 0.00% |
| ACL / Loans | 1.09% | 0.92% |
Balance sheet
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| Total Assets | $178,916K | $179,210K |
| Total Deposits | $159,465K | $153,585K |
| Total Loans | $119,835K | $129,756K |
| Total Equity | $18,342K | $19,537K |
| Net Income (quarter) | $534 | $446 |
Liquidity & funding
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 75.15% | 84.48% |
| Core Deposit Ratio | 96.35% | 93.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Whittington | Goose River Bank, the |
|---|---|---|
| Headquarters City | BENTON | MAYVILLE |
| Headquarters State | IL | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 47 | 22 |
| Established | Aug. 5, 1919, midnight | Oct. 27, 1881, 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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