Bank Comparison
West Iowa Bank vs Templeton Savings Bank
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 | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.18% | 14.75% |
| Equity / Assets | 16.45% | 15.42% |
Profitability
| Metric | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.57% |
| Return on Equity (ROE) | 7.75% | 9.98% |
| Net Interest Margin (NIM) | 3.56% | 4.06% |
| Yield on Earning Assets | 4.92% | 5.50% |
| Cost of Funds | 1.58% | 1.68% |
Asset quality
| Metric | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.09% |
| Non-Performing Loan Ratio | 0.00% | 0.02% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.23% | 1.43% |
Balance sheet
| Metric | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| Total Assets | $169,258K | $169,608K |
| Total Deposits | $136,498K | $142,264K |
| Total Loans | $95,022K | $108,949K |
| Total Equity | $27,841K | $26,161K |
| Net Income (quarter) | $538 | $649 |
Liquidity & funding
| Metric | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.61% | 76.58% |
| Core Deposit Ratio | 91.47% | 87.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Iowa Bank | Templeton Savings Bank |
|---|---|---|
| Headquarters City | WEST BEND | TEMPLETON |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 17 | 17 |
| Established | Jan. 1, 1926, midnight | Jan. 1, 1923, 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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