Bank Comparison
Bank Northwest vs Cecil Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| CET1 Ratio | — | 13.73% |
| Tier 1 Capital Ratio | — | 13.73% |
| Total Capital Ratio | — | 14.52% |
| Tier 1 Leverage Ratio | 8.75% | 10.67% |
| Equity / Assets | 8.69% | 13.48% |
Profitability
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| Return on Assets (ROA) | 2.79% | 0.14% |
| Return on Equity (ROE) | 29.74% | 1.09% |
| Net Interest Margin (NIM) | 5.48% | 3.85% |
| Yield on Earning Assets | 6.88% | 5.64% |
| Cost of Funds | 1.50% | 1.97% |
Asset quality
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| Texas Ratio | 20.46% | 3.59% |
| Non-Performing Loan Ratio | 2.47% | 0.70% |
| Non-Performing Asset Ratio | 1.93% | 0.50% |
| Net Charge-Off Ratio | 0.04% | 0.45% |
| ACL / Loans | 0.98% | 1.00% |
Balance sheet
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| Total Assets | $219,102K | $218,663K |
| Total Deposits | $199,632K | $187,556K |
| Total Loans | $170,639K | $155,035K |
| Total Equity | $19,050K | $29,465K |
| Net Income (quarter) | $1,554K | $80 |
Liquidity & funding
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.48% | 82.66% |
| Core Deposit Ratio | 90.48% | 89.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank Northwest | Cecil Bank |
|---|---|---|
| Headquarters City | HAMILTON | Elkton |
| Headquarters State | MO | MD |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 40 | 29 |
| Established | Aug. 4, 1945, midnight | Oct. 7, 1959, 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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