Bank Comparison
Vermont State Bank vs Hopeton State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| CET1 Ratio | 58.69% | — |
| Tier 1 Capital Ratio | 59.05% | — |
| Total Capital Ratio | 60.34% | — |
| Tier 1 Leverage Ratio | 26.47% | 11.41% |
| Equity / Assets | 26.09% | 19.12% |
Profitability
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 6.85% | -0.90% |
| Return on Equity (ROE) | 27.23% | -4.66% |
| Net Interest Margin (NIM) | 3.16% | 3.87% |
| Yield on Earning Assets | 4.56% | 5.58% |
| Cost of Funds | 1.80% | 1.83% |
Asset quality
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| Texas Ratio | 14.08% | 0.00% |
| Non-Performing Loan Ratio | 8.03% | 0.00% |
| Non-Performing Asset Ratio | 3.97% | 0.00% |
| Net Charge-Off Ratio | 0.18% | 0.00% |
| ACL / Loans | 4.82% | 0.50% |
Balance sheet
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| Total Assets | $31,082K | $31,213K |
| Total Deposits | $21,692K | $25,206K |
| Total Loans | $13,756K | $20,828K |
| Total Equity | $8,109K | $5,968K |
| Net Income (quarter) | $534 | $-70 |
Liquidity & funding
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 63.42% | 82.63% |
| Core Deposit Ratio | 91.39% | 87.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Vermont State Bank | Hopeton State Bank, the |
|---|---|---|
| Headquarters City | VERMONT | HOPETON |
| Headquarters State | IL | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 19 | 6 |
| Established | June 9, 1947, midnight | Jan. 1, 1919, 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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