Bank Comparison
State Savings Bank of Manistique, the vs First National Bank of Nokomis
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| CET1 Ratio | — | 17.67% |
| Tier 1 Capital Ratio | — | 17.67% |
| Total Capital Ratio | — | 18.84% |
| Tier 1 Leverage Ratio | 9.46% | 10.84% |
| Equity / Assets | 7.59% | 10.03% |
Profitability
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.16% |
| Return on Equity (ROE) | 8.64% | 11.40% |
| Net Interest Margin (NIM) | 2.94% | 4.05% |
| Yield on Earning Assets | 4.63% | 4.88% |
| Cost of Funds | 1.77% | 0.89% |
Asset quality
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| Texas Ratio | 1.47% | 6.26% |
| Non-Performing Loan Ratio | 0.18% | 1.20% |
| Non-Performing Asset Ratio | 0.10% | 0.62% |
| Net Charge-Off Ratio | 0.01% | 0.04% |
| ACL / Loans | 1.03% | 1.35% |
Balance sheet
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| Total Assets | $182,771K | $182,740K |
| Total Deposits | $159,222K | $162,213K |
| Total Loans | $94,455K | $93,805K |
| Total Equity | $13,867K | $18,335K |
| Net Income (quarter) | $301 | $527 |
Liquidity & funding
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| Loan-to-Deposit Ratio | 59.32% | 57.83% |
| Core Deposit Ratio | 97.16% | 96.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Savings Bank of Manistique, the | First National Bank of Nokomis |
|---|---|---|
| Headquarters City | MANISTIQUE | NOKOMIS |
| Headquarters State | MI | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14436 |
| Regulator | FED | OCC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 26 | 46 |
| Established | July 7, 1917, midnight | Sept. 3, 1940, 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 Savings Bank of Manistique, the profile | View full First National Bank of Nokomis profile | Browse all bank comparisons