Wayland State Bank vs Citizens 1st Nb Storm Lake
Side-by-side bank health comparison using FDIC financial data
Wayland State Bank (A) and Citizens 1st Nb Storm Lake (A) are close on the BankHealth rubric. Asset bases: $125M versus $240M.
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
Wayland State Bank has a stronger Bank Health Score of 99/100 (A) compared to Citizens 1st Nb Storm Lake at 98/100 (A), a difference of 1 points. Wayland State Bank holds a Tier 1 capital ratio of 20.0% and an NPL ratio of 0.08%.
| Metric | Wayland State Bank | Citizens 1st Nb Storm Lake |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 20.0% | 21.1%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 48.3%* | 38.3% |
| Return on Assets Profitability metric (above 1% is strong) | 1.8% | 2.4%* |
| Total Assets | $125M | $240M |
| Total Deposits | $101M | $203M |
| Location | Mount Pleasant, Iowa | Storm Lake, Iowa |
Wayland State Bank has a stronger Bank Health Score of 99/100 (A) compared to Citizens 1st Nb Storm Lake at 98/100 (A), a difference of 1 points. Wayland State Bank holds a Tier 1 capital ratio of 20.0% and an NPL ratio of 0.08%.