Bank Comparison
American Interstate Bank vs First Central Bank Mccook
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| CET1 Ratio | — | 13.94% |
| Tier 1 Capital Ratio | — | 13.94% |
| Total Capital Ratio | — | 15.20% |
| Tier 1 Leverage Ratio | 19.52% | 10.97% |
| Equity / Assets | 19.79% | 11.00% |
Profitability
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| Return on Assets (ROA) | 3.47% | 0.62% |
| Return on Equity (ROE) | 18.20% | 5.66% |
| Net Interest Margin (NIM) | 5.11% | 3.75% |
| Yield on Earning Assets | 5.56% | 5.99% |
| Cost of Funds | 0.54% | 2.44% |
Asset quality
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| Texas Ratio | 0.00% | 34.29% |
| Non-Performing Loan Ratio | 0.00% | 5.29% |
| Non-Performing Asset Ratio | 0.00% | 3.67% |
| Net Charge-Off Ratio | 0.00% | -0.08% |
| ACL / Loans | 1.94% | 1.90% |
Balance sheet
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| Total Assets | $127,844K | $124,913K |
| Total Deposits | $102,390K | $106,620K |
| Total Loans | $67,495K | $86,654K |
| Total Equity | $25,304K | $13,740K |
| Net Income (quarter) | $1,126K | $193 |
Liquidity & funding
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| Loan-to-Deposit Ratio | 65.92% | 81.27% |
| Core Deposit Ratio | 98.93% | 88.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Interstate Bank | First Central Bank Mccook |
|---|---|---|
| Headquarters City | ELKHORN | MCCOOK |
| Headquarters State | NE | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 10 | 20 |
| Established | March 29, 1915, midnight | Jan. 4, 1999, 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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