Bank Comparison
Arrow Bank N.A. vs Town Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.41% | 11.35% |
| Tier 1 Capital Ratio | 13.41% | 11.35% |
| Total Capital Ratio | 14.53% | 12.01% |
| Tier 1 Leverage Ratio | 9.62% | 9.48% |
| Equity / Assets | 9.72% | 10.40% |
Profitability
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 1.37% |
| Return on Equity (ROE) | 12.53% | 13.42% |
| Net Interest Margin (NIM) | 3.45% | 2.99% |
| Yield on Earning Assets | 5.11% | 5.03% |
| Cost of Funds | 1.76% | 2.23% |
Asset quality
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| Texas Ratio | 1.22% | 1.72% |
| Non-Performing Loan Ratio | 0.14% | 0.16% |
| Non-Performing Asset Ratio | 0.11% | 0.15% |
| Net Charge-Off Ratio | 0.09% | 0.08% |
| ACL / Loans | 0.99% | 0.59% |
Balance sheet
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| Total Assets | $4,500M | $4,515M |
| Total Deposits | $4,014M | $3,719M |
| Total Loans | $3,438M | $3,389M |
| Total Equity | $437,460K | $469,431K |
| Net Income (quarter) | $13,581K | $15,684K |
Liquidity & funding
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 85.66% | 91.11% |
| Core Deposit Ratio | 96.49% | 94.25% |
| Uninsured Deposit Ratio | 27.39% | 31.68% |
Identity
| Metric | Arrow Bank N.A. | Town Bank, N.A. |
|---|---|---|
| Headquarters City | GLENS FALLS | HARTLAND |
| Headquarters State | NY | WI |
| Asset Tier | Large | Large |
| Charter Class | 7699 | 25201 |
| Regulator | OCC | OCC |
| Domestic Branches | 38 | 26 |
| Employees (FTE) | 602 | 195 |
| Established | Jan. 1, 1851, midnight | July 23, 1998, 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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