Bank Comparison
Ultima Bank Minnesota vs Western Bank, Artesia, New Mexico
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| CET1 Ratio | — | 15.55% |
| Tier 1 Capital Ratio | — | 15.55% |
| Total Capital Ratio | — | 16.51% |
| Tier 1 Leverage Ratio | 10.73% | 10.83% |
| Equity / Assets | 10.75% | 10.00% |
Profitability
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 2.83% |
| Return on Equity (ROE) | 14.84% | 29.51% |
| Net Interest Margin (NIM) | 5.09% | 4.86% |
| Yield on Earning Assets | 7.49% | 5.33% |
| Cost of Funds | 2.60% | 0.52% |
Asset quality
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| Texas Ratio | 1.51% | 0.00% |
| Non-Performing Loan Ratio | 0.14% | 0.00% |
| Non-Performing Asset Ratio | 0.13% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 0.93% | 1.18% |
Balance sheet
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| Total Assets | $319,057K | $318,721K |
| Total Deposits | $280,647K | $283,040K |
| Total Loans | $298,694K | $172,582K |
| Total Equity | $34,296K | $31,882K |
| Net Income (quarter) | $1,300K | $2,313K |
Liquidity & funding
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| Loan-to-Deposit Ratio | 106.43% | 60.97% |
| Core Deposit Ratio | 91.40% | 97.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ultima Bank Minnesota | Western Bank, Artesia, New Mexico |
|---|---|---|
| Headquarters City | WINGER | ARTESIA |
| Headquarters State | MN | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 53 | 24 |
| Established | Jan. 1, 1904, midnight | Aug. 2, 1948, 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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