Bank Comparison
Winter Hill Bank, FSB vs Farmers State Bank of Calhan
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| CET1 Ratio | 16.79% | 16.11% |
| Tier 1 Capital Ratio | 16.79% | 16.11% |
| Total Capital Ratio | 17.56% | 16.77% |
| Tier 1 Leverage Ratio | 9.95% | 9.06% |
| Equity / Assets | 9.86% | 6.18% |
Profitability
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 1.01% |
| Return on Equity (ROE) | 1.04% | 16.43% |
| Net Interest Margin (NIM) | 2.66% | 3.07% |
| Yield on Earning Assets | 4.69% | 4.81% |
| Cost of Funds | 2.20% | 1.78% |
Asset quality
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| Texas Ratio | 0.16% | 3.09% |
| Non-Performing Loan Ratio | 0.02% | 0.41% |
| Non-Performing Asset Ratio | 0.02% | 0.20% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 0.60% | 0.81% |
Balance sheet
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| Total Assets | $418,714K | $418,389K |
| Total Deposits | $300,483K | $338,241K |
| Total Loans | $297,689K | $191,454K |
| Total Equity | $41,287K | $25,871K |
| Net Income (quarter) | $107 | $1,060K |
Liquidity & funding
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| Loan-to-Deposit Ratio | 99.07% | 56.60% |
| Core Deposit Ratio | 91.21% | 90.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Winter Hill Bank, FSB | Farmers State Bank of Calhan |
|---|---|---|
| Headquarters City | SOMERVILLE | CALHAN |
| Headquarters State | MA | CO |
| Asset Tier | Small | Small |
| Charter Class | 701149 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 52 | 53 |
| Established | Jan. 1, 1906, midnight | Aug. 16, 1916, 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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