Bank Comparison
The Haviland State Bank vs Grant County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 8
winning metrics across 16 comparable rows
Capital adequacy
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| CET1 Ratio | 11.19% | — |
| Tier 1 Capital Ratio | 11.19% | — |
| Total Capital Ratio | 12.39% | — |
| Tier 1 Leverage Ratio | 7.99% | 13.69% |
| Equity / Assets | 7.47% | 13.59% |
Profitability
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.25% |
| Return on Equity (ROE) | 10.80% | 9.26% |
| Net Interest Margin (NIM) | 4.17% | 3.90% |
| Yield on Earning Assets | 6.12% | 5.06% |
| Cost of Funds | 2.12% | 1.29% |
Asset quality
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.19% | 0.97% |
Balance sheet
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| Total Assets | $47,756K | $47,600K |
| Total Deposits | $40,306K | $41,101K |
| Total Loans | $34,214K | $23,260K |
| Total Equity | $3,568K | $6,468K |
| Net Income (quarter) | $140 | $148 |
Liquidity & funding
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.89% | 56.59% |
| Core Deposit Ratio | 90.52% | 96.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Haviland State Bank | Grant County State Bank |
|---|---|---|
| Headquarters City | Haviland | CARSON |
| Headquarters State | KS | ND |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 8 | 6 |
| Established | Aug. 31, 1903, midnight | Aug. 29, 1913, 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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