Bank Comparison
Auto Club Trust, FSB vs Bank of Clovis, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 20
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| CET1 Ratio | 17.94% | 21.66% |
| Tier 1 Capital Ratio | 17.94% | 21.66% |
| Total Capital Ratio | 19.13% | 22.91% |
| Tier 1 Leverage Ratio | 9.80% | 10.81% |
| Equity / Assets | 6.90% | 9.52% |
Profitability
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| Return on Assets (ROA) | -0.74% | 1.12% |
| Return on Equity (ROE) | -12.02% | 11.58% |
| Net Interest Margin (NIM) | 1.36% | 4.32% |
| Yield on Earning Assets | 4.59% | 5.68% |
| Cost of Funds | 3.68% | 1.40% |
Asset quality
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| Texas Ratio | 10.77% | 0.42% |
| Non-Performing Loan Ratio | 0.94% | 0.10% |
| Non-Performing Asset Ratio | 0.51% | 0.04% |
| Net Charge-Off Ratio | 0.57% | 0.00% |
| ACL / Loans | 1.35% | 1.71% |
Balance sheet
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| Total Assets | $466,093K | $465,870K |
| Total Deposits | $339,070K | $393,425K |
| Total Loans | $242,018K | $208,582K |
| Total Equity | $32,172K | $44,346K |
| Net Income (quarter) | $-937 | $1,274K |
Liquidity & funding
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| Loan-to-Deposit Ratio | 71.38% | 53.02% |
| Core Deposit Ratio | 85.91% | 91.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Auto Club Trust, FSB | Bank of Clovis, the |
|---|---|---|
| Headquarters City | Dearborn | CLOVIS |
| Headquarters State | MI | NM |
| Asset Tier | Small | Small |
| Charter Class | 715850 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 7 |
| Employees (FTE) | 65 | 56 |
| Established | Nov. 30, 1999, midnight | Oct. 16, 2000, 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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