Bank Comparison
United Minnesota Bank vs Frost State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 16
winning metrics across 22 comparable rows
Capital adequacy
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| CET1 Ratio | 11.90% | 18.21% |
| Tier 1 Capital Ratio | 11.90% | 18.21% |
| Total Capital Ratio | 12.92% | 19.18% |
| Tier 1 Leverage Ratio | 7.57% | 17.14% |
| Equity / Assets | 7.53% | 16.97% |
Profitability
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.60% | 2.12% |
| Return on Equity (ROE) | 20.91% | 12.54% |
| Net Interest Margin (NIM) | 4.61% | 4.62% |
| Yield on Earning Assets | 5.48% | 7.51% |
| Cost of Funds | 0.92% | 3.37% |
Asset quality
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| Texas Ratio | 2.06% | 2.68% |
| Non-Performing Loan Ratio | 0.22% | 0.04% |
| Non-Performing Asset Ratio | 0.17% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.32% |
| ACL / Loans | 0.79% | 1.05% |
Balance sheet
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| Total Assets | $53,601K | $53,845K |
| Total Deposits | $49,356K | $43,986K |
| Total Loans | $41,698K | $46,581K |
| Total Equity | $4,036K | $9,135K |
| Net Income (quarter) | $213 | $282 |
Liquidity & funding
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.48% | 105.90% |
| Core Deposit Ratio | 90.42% | 90.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | United Minnesota Bank | Frost State Bank |
|---|---|---|
| Headquarters City | NEW LONDON | Frost |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 7 |
| Established | May 5, 1890, midnight | Dec. 20, 1985, 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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