Bank Comparison
Western National Bank vs Peoples Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| CET1 Ratio | 12.63% | — |
| Tier 1 Capital Ratio | 12.63% | — |
| Total Capital Ratio | 13.56% | — |
| Tier 1 Leverage Ratio | 9.04% | 11.27% |
| Equity / Assets | 10.56% | 11.06% |
Profitability
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| Return on Assets (ROA) | -0.17% | 0.59% |
| Return on Equity (ROE) | -1.56% | 5.31% |
| Net Interest Margin (NIM) | 3.90% | 3.96% |
| Yield on Earning Assets | 5.92% | 6.31% |
| Cost of Funds | 1.94% | 2.47% |
Asset quality
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| Texas Ratio | 29.78% | 3.99% |
| Non-Performing Loan Ratio | 0.22% | 0.29% |
| Non-Performing Asset Ratio | 2.68% | 0.49% |
| Net Charge-Off Ratio | 0.00% | 0.24% |
| ACL / Loans | 0.98% | 1.53% |
Balance sheet
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| Total Assets | $135,279K | $135,207K |
| Total Deposits | $107,978K | $119,651K |
| Total Loans | $85,660K | $105,818K |
| Total Equity | $14,290K | $14,956K |
| Net Income (quarter) | $-56 | $198 |
Liquidity & funding
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 79.33% | 88.44% |
| Core Deposit Ratio | 89.55% | 87.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Western National Bank | Peoples Bank, the |
|---|---|---|
| Headquarters City | DULUTH | MARION |
| Headquarters State | MN | KY |
| Asset Tier | Small | Small |
| Charter Class | 13116 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 30 | 28 |
| Established | Jan. 4, 1904, midnight | Oct. 1, 1946, 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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