Bank Comparison
Auto Club Trust, FSB vs Chino Commercial Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
2 · 18
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| CET1 Ratio | 17.94% | — |
| Tier 1 Capital Ratio | 17.94% | — |
| Total Capital Ratio | 19.13% | — |
| Tier 1 Leverage Ratio | 9.80% | 12.36% |
| Equity / Assets | 6.90% | 11.89% |
Profitability
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | -0.74% | 1.58% |
| Return on Equity (ROE) | -12.02% | 13.34% |
| Net Interest Margin (NIM) | 1.36% | 4.16% |
| Yield on Earning Assets | 4.59% | 5.38% |
| Cost of Funds | 3.68% | 1.27% |
Asset quality
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| Texas Ratio | 10.77% | 1.97% |
| Non-Performing Loan Ratio | 0.94% | 0.51% |
| Non-Performing Asset Ratio | 0.51% | 0.26% |
| Net Charge-Off Ratio | 0.57% | -0.01% |
| ACL / Loans | 1.35% | 2.22% |
Balance sheet
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| Total Assets | $466,093K | $465,786K |
| Total Deposits | $339,070K | $388,102K |
| Total Loans | $242,018K | $232,093K |
| Total Equity | $32,172K | $55,400K |
| Net Income (quarter) | $-937 | $1,827K |
Liquidity & funding
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 71.38% | 59.80% |
| Core Deposit Ratio | 85.91% | 97.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Auto Club Trust, FSB | Chino Commercial Bank, N.A. |
|---|---|---|
| Headquarters City | Dearborn | CHINO |
| Headquarters State | MI | CA |
| Asset Tier | Small | Small |
| Charter Class | 715850 | 23950 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 65 | 70 |
| Established | Nov. 30, 1999, midnight | Sept. 1, 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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