First Community Trust NA vs Wayland State Bank
Side-by-side bank health comparison using FDIC financial data
First Community Trust NA (A) and Wayland State Bank (A) are close on the BankHealth rubric. Asset bases: $14M versus $125M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First Community Trust NA has a stronger Bank Health Score of 100/100 (A) compared to Wayland State Bank at 99/100 (A), a difference of 1 points. First Community Trust NA holds a Tier 1 capital ratio of 91.4% and an NPL ratio of 0.00%.
| Metric | First Community Trust NA | Wayland State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 91.4%* | 20.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 53.5%* | 48.3% |
| Return on Assets Profitability metric (above 1% is strong) | 10.0%* | 1.8% |
| Total Assets | $14M | $125M |
| Total Deposits | $0 | $101M |
| Location | Dubuque, Iowa | Mount Pleasant, Iowa |
First Community Trust NA has a stronger Bank Health Score of 100/100 (A) compared to Wayland State Bank at 99/100 (A), a difference of 1 points. First Community Trust NA holds a Tier 1 capital ratio of 91.4% and an NPL ratio of 0.00%.