Bank Comparison
Ultima Bank Minnesota vs Abacus Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| CET1 Ratio | — | 33.47% |
| Tier 1 Capital Ratio | — | 33.47% |
| Total Capital Ratio | — | 34.77% |
| Tier 1 Leverage Ratio | 10.73% | 16.47% |
| Equity / Assets | 10.75% | 17.84% |
Profitability
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 0.24% |
| Return on Equity (ROE) | 14.84% | 1.34% |
| Net Interest Margin (NIM) | 5.09% | 4.36% |
| Yield on Earning Assets | 7.49% | 5.51% |
| Cost of Funds | 2.60% | 1.37% |
Asset quality
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| Texas Ratio | 1.51% | 3.29% |
| Non-Performing Loan Ratio | 0.14% | 0.57% |
| Non-Performing Asset Ratio | 0.13% | 0.50% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.93% | 1.17% |
Balance sheet
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| Total Assets | $319,057K | $319,256K |
| Total Deposits | $280,647K | $257,575K |
| Total Loans | $298,694K | $248,541K |
| Total Equity | $34,296K | $56,958K |
| Net Income (quarter) | $1,300K | $190 |
Liquidity & funding
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 106.43% | 96.49% |
| Core Deposit Ratio | 91.40% | 96.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ultima Bank Minnesota | Abacus Federal Savings Bank |
|---|---|---|
| Headquarters City | WINGER | NEW YORK |
| Headquarters State | MN | NY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 708059 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 53 | 74 |
| Established | Jan. 1, 1904, midnight | Nov. 29, 1984, 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 Ultima Bank Minnesota profile | View full Abacus Federal Savings Bank profile | Browse all bank comparisons