Bank Comparison
West Iowa Bank vs First State Bank of Shelby, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 5
winning metrics across 17 comparable rows
Capital adequacy
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.18% | 19.69% |
| Equity / Assets | 16.45% | 15.28% |
Profitability
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.27% |
| Return on Equity (ROE) | 7.75% | 8.14% |
| Net Interest Margin (NIM) | 3.56% | 2.43% |
| Yield on Earning Assets | 4.92% | 3.62% |
| Cost of Funds | 1.58% | 1.38% |
Asset quality
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| 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 | -0.03% | 0.00% |
| ACL / Loans | 1.23% | 0.09% |
Balance sheet
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| Total Assets | $169,258K | $169,018K |
| Total Deposits | $136,498K | $142,392K |
| Total Loans | $95,022K | $22,640K |
| Total Equity | $27,841K | $25,829K |
| Net Income (quarter) | $538 | $525 |
Liquidity & funding
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| Loan-to-Deposit Ratio | 69.61% | 15.90% |
| Core Deposit Ratio | 91.47% | 88.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Iowa Bank | First State Bank of Shelby, the |
|---|---|---|
| Headquarters City | WEST BEND | SHELBY |
| Headquarters State | IA | MT |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 17 | 15 |
| Established | Jan. 1, 1926, midnight | Jan. 1, 1910, 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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