This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Downs, KS
Health score
75.5
Total assets
$148.0M
Bank
Cimarron, KS
Health score
78.8
Total assets
$143.5M
Answer first
State Bank of Downs leads on capitalization and lending quality and growth; The First National Bank in Cimarron leads on financial health and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First National Bank in Cimarron
Higher TFS health score
Capitalization
State Bank of Downs
Higher comparable capital ratio
Profitability
The First National Bank in Cimarron
Higher return on assets
Lending quality
State Bank of Downs
Lower problem-loan measure
Growth
State Bank of Downs
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | State Bank of Downs | The First National Bank in Cimarron |
|---|---|---|
| TFS health score | 75.5/100 | 78.8/100Leads |
| Total assets | $148.0M | $143.5M |
| Total deposits / shares | $127.3M | $131.3M |
| Tier 1 capital ratio | 12.64%Leads | 9.60% |
| Return on assets | 0.82% | 2.10%Leads |
| Return on equity | 6.20% | 34.13% |
State Bank of Downs
2 branches
The First National Bank in Cimarron
2 branches
Both institutions report branches in 1 state: KS.
State Bank of Downs
Unavailable
The First National Bank in Cimarron
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
State Bank of Downs
0 in TFS registry
The First National Bank in Cimarron
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | State Bank of Downs score | State Bank of Downs ROA | The First National Bank in Cimarron score | The First National Bank in Cimarron ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.99% | — | 1.39% |
| 2024-Q4 | — | 1.75% | — | 1.21% |
| 2025-Q1 | — | 1.80% | — | 1.46% |
| 2025-Q2 | — | 1.99% | — | 1.47% |
| 2025-Q3 | — | 1.76% | — | 1.47% |
| 2025-Q4 | — | 1.59% | — | 1.37% |
| 2026-Q1 | 85.3/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.00%Leads | 0.25% |
| Net charge-offs | 0.01% | 0.00%Leads |
| Efficiency ratio | 73.30% | 56.93%Leads |
| Loan-to-deposit ratio | 63.26% | 53.44% |
| Asset growth (YoY) | 4.23%Leads | 0.70% |
| Deposit / share growth (YoY) | 4.98%Leads | -0.75% |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.55% |
| 77.3/100 |
| 2.11% |
| 2026-Q2 | 75.5/100 | 0.82% | 78.8/100 | 2.10% |