Bank Comparison
Valley State Bank, the vs Fwbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.23% | 12.87% |
| Equity / Assets | 11.34% | 13.09% |
Profitability
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 0.67% |
| Return on Equity (ROE) | 6.29% | 4.99% |
| Net Interest Margin (NIM) | 4.04% | 5.03% |
| Yield on Earning Assets | 5.41% | 6.24% |
| Cost of Funds | 1.56% | 1.36% |
Asset quality
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| Texas Ratio | 1.50% | 13.19% |
| Non-Performing Loan Ratio | 0.27% | 2.82% |
| Non-Performing Asset Ratio | 0.18% | 1.76% |
| Net Charge-Off Ratio | 0.26% | 0.72% |
| ACL / Loans | 1.14% | 1.15% |
Balance sheet
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| Total Assets | $202,483K | $202,318K |
| Total Deposits | $175,358K | $172,392K |
| Total Loans | $109,156K | $126,648K |
| Total Equity | $22,958K | $26,474K |
| Net Income (quarter) | $360 | $330 |
Liquidity & funding
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.25% | 73.47% |
| Core Deposit Ratio | 88.33% | 93.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Valley State Bank, the | Fwbank |
|---|---|---|
| Headquarters City | BELLE PLAINE | CHICAGO |
| Headquarters State | KS | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 36 | 43 |
| Established | Jan. 1, 1897, midnight | July 12, 2021, 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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