Bank Comparison
Walton State Bank, the vs The Culbertson Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 5
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| CET1 Ratio | 46.54% | — |
| Tier 1 Capital Ratio | 46.54% | — |
| Total Capital Ratio | 47.38% | — |
| Tier 1 Leverage Ratio | 18.60% | 18.63% |
| Equity / Assets | 22.28% | 19.17% |
Profitability
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| Return on Assets (ROA) | -0.57% | -1.00% |
| Return on Equity (ROE) | -2.32% | -5.29% |
| Net Interest Margin (NIM) | 4.48% | 5.32% |
| Yield on Earning Assets | 5.10% | 6.72% |
| Cost of Funds | 0.69% | 1.53% |
Asset quality
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.01% | 1.98% |
Balance sheet
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| Total Assets | $12,541K | $11,363K |
| Total Deposits | $9,547K | $9,168K |
| Total Loans | $3,261K | $5,720K |
| Total Equity | $2,794K | $2,178K |
| Net Income (quarter) | $-16 | $-29 |
Liquidity & funding
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 34.16% | 62.39% |
| Core Deposit Ratio | 100.00% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Walton State Bank, the | The Culbertson Bank |
|---|---|---|
| Headquarters City | WALTON | Culbertson |
| Headquarters State | KS | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 4 |
| Established | May 27, 1907, midnight | Sept. 1, 1886, 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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