Bank Comparison
Bank of 1889 vs O'bannon Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.10% | 9.00% |
| Equity / Assets | 11.04% | 8.48% |
Profitability
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.88% | 1.00% |
| Return on Equity (ROE) | 17.21% | 11.73% |
| Net Interest Margin (NIM) | 5.91% | 4.00% |
| Yield on Earning Assets | 6.82% | 5.96% |
| Cost of Funds | 0.97% | 2.12% |
Asset quality
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| Texas Ratio | 6.40% | 11.78% |
| Non-Performing Loan Ratio | 0.94% | 1.50% |
| Non-Performing Asset Ratio | 0.76% | 1.10% |
| Net Charge-Off Ratio | 0.15% | -0.01% |
| ACL / Loans | 1.15% | 1.17% |
Balance sheet
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| Total Assets | $334,697K | $333,810K |
| Total Deposits | $294,333K | $299,636K |
| Total Loans | $257,983K | $245,311K |
| Total Equity | $36,959K | $28,298K |
| Net Income (quarter) | $1,557K | $831 |
Liquidity & funding
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 87.65% | 81.87% |
| Core Deposit Ratio | 90.36% | 93.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of 1889 | O'bannon Banking Company |
|---|---|---|
| Headquarters City | BERRYVILLE | BUFFALO |
| Headquarters State | AR | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 12 | 5 |
| Employees (FTE) | 92 | 53 |
| Established | Feb. 18, 1889, midnight | Nov. 20, 1905, 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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