Bank Comparison
Bank of Estes Park vs First National Bank of Arenzville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| CET1 Ratio | — | 10.43% |
| Tier 1 Capital Ratio | — | 10.43% |
| Total Capital Ratio | — | 11.30% |
| Tier 1 Leverage Ratio | 10.78% | 8.56% |
| Equity / Assets | 9.62% | 8.01% |
Profitability
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| Return on Assets (ROA) | -0.20% | 1.75% |
| Return on Equity (ROE) | -2.03% | 21.30% |
| Net Interest Margin (NIM) | 4.40% | 3.94% |
| Yield on Earning Assets | 5.36% | 5.41% |
| Cost of Funds | 1.02% | 1.58% |
Asset quality
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| Texas Ratio | 0.00% | 0.41% |
| Non-Performing Loan Ratio | 0.00% | 0.05% |
| Non-Performing Asset Ratio | 0.00% | 0.04% |
| Net Charge-Off Ratio | 2.45% | 0.02% |
| ACL / Loans | 1.71% | 1.01% |
Balance sheet
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| Total Assets | $157,526K | $157,639K |
| Total Deposits | $141,353K | $143,368K |
| Total Loans | $94,890K | $110,735K |
| Total Equity | $15,160K | $12,625K |
| Net Income (quarter) | $-78 | $683 |
Liquidity & funding
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 67.13% | 77.24% |
| Core Deposit Ratio | 90.84% | 83.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Estes Park | First National Bank of Arenzville, the |
|---|---|---|
| Headquarters City | ESTES PARK | ARENZVILLE |
| Headquarters State | CO | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 9183 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 26 | 24 |
| Established | Jan. 18, 1965, midnight | Jan. 1, 1882, 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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