Bank Comparison
Villa Grove State Bank vs Bank of Maple Plain
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 2
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| CET1 Ratio | — | 27.31% |
| Tier 1 Capital Ratio | — | 27.31% |
| Total Capital Ratio | — | 28.56% |
| Tier 1 Leverage Ratio | 12.22% | 14.05% |
| Equity / Assets | 12.52% | 11.39% |
Profitability
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| Return on Assets (ROA) | 1.84% | 0.88% |
| Return on Equity (ROE) | 15.15% | 7.77% |
| Net Interest Margin (NIM) | 3.98% | 3.17% |
| Yield on Earning Assets | 5.24% | 4.36% |
| Cost of Funds | 1.42% | 1.34% |
Asset quality
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| Texas Ratio | 0.00% | 6.87% |
| Non-Performing Loan Ratio | 0.00% | 0.52% |
| Non-Performing Asset Ratio | 0.00% | 0.24% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.57% | 1.45% |
Balance sheet
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| Total Assets | $85.9M | $85.5M |
| Total Deposits | $74.7M | $74.7M |
| Total Loans | $55.7M | $39.4M |
| Total Equity | $10.7M | $9.7M |
| Net Income (quarter) | $404K | $187K |
Liquidity & funding
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| Loan-to-Deposit Ratio | 74.50% | 52.72% |
| Core Deposit Ratio | 99.64% | 90.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Villa Grove State Bank | Bank of Maple Plain |
|---|---|---|
| Headquarters City | Villa Grove | Maple Plain |
| Headquarters State | IL | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 17 | 12 |
| Established | October 19, 1919 | May 29, 1905 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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