Bank Comparison
The First National Bank of Hugo vs The State Bank
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 | The First National Bank of Hugo | The State Bank |
|---|---|---|
| CET1 Ratio | — | 31.82% |
| Tier 1 Capital Ratio | — | 31.82% |
| Total Capital Ratio | — | 33.08% |
| Tier 1 Leverage Ratio | 9.52% | 18.14% |
| Equity / Assets | 9.91% | 17.92% |
Profitability
| Metric | The First National Bank of Hugo | The State Bank |
|---|---|---|
| Return on Assets (ROA) | -6.12% | 4.49% |
| Return on Equity (ROE) | -61.98% | 26.64% |
| Net Interest Margin (NIM) | 2.94% | 4.55% |
| Yield on Earning Assets | 4.18% | 5.33% |
| Cost of Funds | 1.28% | 0.90% |
Asset quality
| Metric | The First National Bank of Hugo | The State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 1.49% |
| Non-Performing Loan Ratio | 0.00% | 0.54% |
| Non-Performing Asset Ratio | 0.00% | 0.28% |
| Net Charge-Off Ratio | -0.10% | 0.02% |
| ACL / Loans | 2.05% | 1.61% |
Balance sheet
| Metric | The First National Bank of Hugo | The State Bank |
|---|---|---|
| Total Assets | $151,118K | $144,967K |
| Total Deposits | $135,629K | $118,703K |
| Total Loans | $70,393K | $74,241K |
| Total Equity | $14,971K | $25,984K |
| Net Income (quarter) | $-2,289 | $1,671K |
Liquidity & funding
| Metric | The First National Bank of Hugo | The State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.90% | 62.54% |
| Core Deposit Ratio | 92.92% | 95.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The First National Bank of Hugo | The State Bank |
|---|---|---|
| Headquarters City | Hugo | La Junta |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 8489 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 19 | 25 |
| Established | Nov. 16, 1903, midnight | Jan. 16, 1893, 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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