Bank Comparison
York State Bank vs Iowa Falls State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
21 · 2
winning metrics across 23 comparable rows
Capital adequacy
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| CET1 Ratio | 17.96% | 11.90% |
| Tier 1 Capital Ratio | 17.96% | 11.90% |
| Total Capital Ratio | 19.02% | 12.71% |
| Tier 1 Leverage Ratio | 14.04% | 8.26% |
| Equity / Assets | 15.25% | 14.81% |
Profitability
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.21% | 1.18% |
| Return on Equity (ROE) | 14.15% | 7.87% |
| Net Interest Margin (NIM) | 4.71% | 4.12% |
| Yield on Earning Assets | 5.83% | 6.04% |
| Cost of Funds | 1.23% | 2.10% |
Asset quality
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| Texas Ratio | 0.81% | 1.51% |
| Non-Performing Loan Ratio | 0.17% | 0.26% |
| Non-Performing Asset Ratio | 0.11% | 0.13% |
| Net Charge-Off Ratio | 0.05% | 0.10% |
| ACL / Loans | 1.20% | 1.06% |
Balance sheet
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| Total Assets | $204,221K | $204,190K |
| Total Deposits | $171,893K | $157,567K |
| Total Loans | $133,118K | $100,224K |
| Total Equity | $31,147K | $30,240K |
| Net Income (quarter) | $1,090K | $603 |
Liquidity & funding
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.44% | 63.61% |
| Core Deposit Ratio | 94.05% | 90.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | York State Bank | Iowa Falls State Bank |
|---|---|---|
| Headquarters City | YORK | IOWA FALLS |
| Headquarters State | NE | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 20 | 29 |
| Established | July 1, 1943, midnight | Jan. 1, 1933, 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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