Bank Comparison
All Capital Bank vs Central State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.82% | 17.84% |
| Equity / Assets | 9.90% | 17.45% |
Profitability
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 3.42% |
| Return on Equity (ROE) | 18.08% | 19.96% |
| Net Interest Margin (NIM) | 5.10% | 5.33% |
| Yield on Earning Assets | 7.63% | 7.20% |
| Cost of Funds | 2.65% | 2.23% |
Asset quality
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| Texas Ratio | 2.62% | 13.72% |
| Non-Performing Loan Ratio | 0.00% | 3.66% |
| Non-Performing Asset Ratio | 0.04% | 2.56% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 1.42% | 1.79% |
Balance sheet
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| Total Assets | $178,502K | $178,076K |
| Total Deposits | $151,342K | $146,462K |
| Total Loans | $144,486K | $116,924K |
| Total Equity | $17,665K | $31,078K |
| Net Income (quarter) | $759 | $1,516K |
Liquidity & funding
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.47% | 79.83% |
| Core Deposit Ratio | 94.13% | 88.70% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | All Capital Bank | Central State Bank |
|---|---|---|
| Headquarters City | LOCUST GROVE | CLAYTON |
| Headquarters State | OK | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 20 | 31 |
| Established | June 6, 1949, midnight | May 1, 1928, 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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