Bank Comparison
Stockmens Bank vs Ventura National Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 12
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| CET1 Ratio | 18.31% | — |
| Tier 1 Capital Ratio | 18.31% | — |
| Total Capital Ratio | 19.54% | — |
| Tier 1 Leverage Ratio | 7.97% | 19.60% |
| Equity / Assets | 7.37% | 19.97% |
Profitability
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | -3.19% | -0.67% |
| Return on Equity (ROE) | -37.60% | -3.37% |
| Net Interest Margin (NIM) | 3.36% | 3.53% |
| Yield on Earning Assets | 4.52% | 6.19% |
| Cost of Funds | 1.26% | 2.60% |
Asset quality
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 0.98% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.29% |
| ACL / Loans | 2.06% | 0.78% |
Balance sheet
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| Total Assets | $43,664K | $43,747K |
| Total Deposits | $40,210K | $34,732K |
| Total Loans | $11,457K | $35,071K |
| Total Equity | $3,219K | $8,735K |
| Net Income (quarter) | $-351 | $-74 |
Liquidity & funding
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 28.49% | 100.98% |
| Core Deposit Ratio | 92.35% | 98.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Stockmens Bank | Ventura National Bank & Trust |
|---|---|---|
| Headquarters City | Cascade | HARVEYVILLE |
| Headquarters State | MT | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 11822 |
| Regulator | FED | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 8 | 10 |
| Established | Jan. 1, 1917, midnight | Sept. 20, 1920, 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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