Bank Comparison
Union State Bank vs American State Bank & Trust Company of Williston
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| CET1 Ratio | 14.29% | 22.11% |
| Tier 1 Capital Ratio | 14.29% | 22.11% |
| Total Capital Ratio | 15.42% | 23.37% |
| Tier 1 Leverage Ratio | 10.37% | 12.43% |
| Equity / Assets | 11.57% | 9.08% |
Profitability
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| Return on Assets (ROA) | 1.17% | 2.38% |
| Return on Equity (ROE) | 10.22% | 26.61% |
| Net Interest Margin (NIM) | 4.23% | 3.26% |
| Yield on Earning Assets | 5.68% | 4.37% |
| Cost of Funds | 1.57% | 1.22% |
Asset quality
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| Texas Ratio | 1.84% | 8.22% |
| Non-Performing Loan Ratio | 0.28% | 1.17% |
| Non-Performing Asset Ratio | 0.18% | 0.61% |
| Net Charge-Off Ratio | 0.01% | 0.07% |
| ACL / Loans | 1.18% | 1.79% |
Balance sheet
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| Total Assets | $661,850K | $660,500K |
| Total Deposits | $576,333K | $584,333K |
| Total Loans | $427,257K | $291,536K |
| Total Equity | $76,548K | $59,997K |
| Net Income (quarter) | $1,962K | $4,000K |
Liquidity & funding
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| Loan-to-Deposit Ratio | 74.13% | 49.89% |
| Core Deposit Ratio | 91.78% | 91.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Union State Bank | American State Bank & Trust Company of Williston |
|---|---|---|
| Headquarters City | ARKANSAS CITY | WILLISTON |
| Headquarters State | KS | ND |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 12 | 2 |
| Employees (FTE) | 126 | 81 |
| Established | Dec. 30, 1908, midnight | Dec. 1, 1936, 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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