Bank Comparison
Bank of Edison, the vs Rochelle State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 5
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| CET1 Ratio | 13.61% | 10.95% |
| Tier 1 Capital Ratio | 13.61% | 10.95% |
| Total Capital Ratio | 14.86% | 12.00% |
| Tier 1 Leverage Ratio | 8.45% | 8.24% |
| Equity / Assets | 5.56% | 8.07% |
Profitability
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 0.13% |
| Return on Equity (ROE) | 22.98% | 1.61% |
| Net Interest Margin (NIM) | 4.22% | 3.54% |
| Yield on Earning Assets | 6.20% | 6.11% |
| Cost of Funds | 2.09% | 2.67% |
Asset quality
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| Texas Ratio | 18.61% | 27.73% |
| Non-Performing Loan Ratio | 2.03% | 3.12% |
| Non-Performing Asset Ratio | 1.19% | 2.23% |
| Net Charge-Off Ratio | 0.11% | -0.01% |
| ACL / Loans | 1.39% | 1.01% |
Balance sheet
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| Total Assets | $84,922K | $83,344K |
| Total Deposits | $79,833K | $76,333K |
| Total Loans | $49,719K | $59,576K |
| Total Equity | $4,722K | $6,726K |
| Net Income (quarter) | $269 | $27 |
Liquidity & funding
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.28% | 78.05% |
| Core Deposit Ratio | 83.24% | 86.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Edison, the | Rochelle State Bank |
|---|---|---|
| Headquarters City | EDISON | ROCHELLE |
| Headquarters State | GA | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 20 | 12 |
| Established | Oct. 1, 1904, midnight | Jan. 1, 1934, 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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