Bank Comparison
State Savings Bank vs Iowa Falls State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| CET1 Ratio | — | 11.90% |
| Tier 1 Capital Ratio | — | 11.90% |
| Total Capital Ratio | — | 12.71% |
| Tier 1 Leverage Ratio | 10.40% | 8.26% |
| Equity / Assets | 11.20% | 14.81% |
Profitability
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.57% | 1.18% |
| Return on Equity (ROE) | 13.65% | 7.87% |
| Net Interest Margin (NIM) | 4.19% | 4.12% |
| Yield on Earning Assets | 6.21% | 6.04% |
| Cost of Funds | 2.16% | 2.10% |
Asset quality
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| Texas Ratio | 7.23% | 1.51% |
| Non-Performing Loan Ratio | 0.23% | 0.26% |
| Non-Performing Asset Ratio | 0.22% | 0.13% |
| Net Charge-Off Ratio | 0.04% | 0.10% |
| ACL / Loans | 0.86% | 1.06% |
Balance sheet
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| Total Assets | $208,612K | $204,190K |
| Total Deposits | $182,564K | $157,567K |
| Total Loans | $179,728K | $100,224K |
| Total Equity | $23,373K | $30,240K |
| Net Income (quarter) | $784 | $603 |
Liquidity & funding
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.45% | 63.61% |
| Core Deposit Ratio | 92.13% | 90.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Savings Bank | Iowa Falls State Bank |
|---|---|---|
| Headquarters City | BEDFORD | IOWA FALLS |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 25 | 29 |
| Established | Jan. 1, 1915, midnight | Jan. 1, 1933, 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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