Bank Comparison
Artisans' Bank vs County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| CET1 Ratio | 13.08% | 18.94% |
| Tier 1 Capital Ratio | 13.08% | 18.94% |
| Total Capital Ratio | 14.00% | 19.78% |
| Tier 1 Leverage Ratio | 10.32% | 15.36% |
| Equity / Assets | 9.33% | 14.12% |
Profitability
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| Return on Assets (ROA) | 0.40% | 3.27% |
| Return on Equity (ROE) | 4.37% | 23.64% |
| Net Interest Margin (NIM) | 3.20% | 5.23% |
| Yield on Earning Assets | 4.99% | 6.37% |
| Cost of Funds | 1.92% | 1.31% |
Asset quality
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| Texas Ratio | 3.81% | 1.29% |
| Non-Performing Loan Ratio | 0.48% | 0.26% |
| Non-Performing Asset Ratio | 0.38% | 0.19% |
| Net Charge-Off Ratio | 0.01% | 0.04% |
| ACL / Loans | 0.98% | 0.88% |
Balance sheet
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| Total Assets | $719,636K | $684,818K |
| Total Deposits | $644,979K | $567,932K |
| Total Loans | $516,021K | $505,761K |
| Total Equity | $67,154K | $96,720K |
| Net Income (quarter) | $731 | $5,591K |
Liquidity & funding
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.01% | 89.05% |
| Core Deposit Ratio | 91.77% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Artisans' Bank | County Bank |
|---|---|---|
| Headquarters City | WILMINGTON | REHOBOTH BEACH |
| Headquarters State | DE | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 7 |
| Employees (FTE) | 119 | 89 |
| Established | Feb. 28, 1861, midnight | July 9, 1990, 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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