Bank Comparison
Streator Home Savings Bank vs Iuka State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 19.73% | 9.96% |
| Equity / Assets | 20.86% | 9.58% |
Profitability
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| Return on Assets (ROA) | -37.61% | 0.83% |
| Return on Equity (ROE) | -156.93% | 9.12% |
| Net Interest Margin (NIM) | 2.67% | 4.23% |
| Yield on Earning Assets | 3.96% | 6.41% |
| Cost of Funds | 1.71% | 2.40% |
Asset quality
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| Texas Ratio | 1.86% | 55.78% |
| Non-Performing Loan Ratio | 1.34% | 7.25% |
| Non-Performing Asset Ratio | 0.39% | 6.23% |
| Net Charge-Off Ratio | 0.00% | 1.00% |
| ACL / Loans | 0.74% | 2.85% |
Balance sheet
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| Total Assets | $136,999K | $136,216K |
| Total Deposits | $106,677K | $115,767K |
| Total Loans | $40,037K | $115,836K |
| Total Equity | $28,577K | $13,047K |
| Net Income (quarter) | $-14,057 | $294 |
Liquidity & funding
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 37.53% | 100.06% |
| Core Deposit Ratio | 91.68% | 90.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Streator Home Savings Bank | Iuka State Bank, the |
|---|---|---|
| Headquarters City | STREATOR | SALEM |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 15 | 31 |
| Established | Jan. 1, 1894, midnight | Dec. 10, 1910, 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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