Bank Comparison
Bank of Hancock County vs Bank of Edison, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| CET1 Ratio | — | 13.61% |
| Tier 1 Capital Ratio | — | 13.61% |
| Total Capital Ratio | — | 14.86% |
| Tier 1 Leverage Ratio | 19.95% | 8.45% |
| Equity / Assets | 15.87% | 5.56% |
Profitability
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| Return on Assets (ROA) | 0.35% | 1.26% |
| Return on Equity (ROE) | 2.28% | 22.98% |
| Net Interest Margin (NIM) | 3.20% | 4.22% |
| Yield on Earning Assets | 4.15% | 6.20% |
| Cost of Funds | 1.16% | 2.09% |
Asset quality
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| Texas Ratio | 1.32% | 18.61% |
| Non-Performing Loan Ratio | 0.39% | 2.03% |
| Non-Performing Asset Ratio | 0.08% | 1.19% |
| Net Charge-Off Ratio | 0.02% | 0.11% |
| ACL / Loans | 3.99% | 1.39% |
Balance sheet
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| Total Assets | $84,575K | $84,922K |
| Total Deposits | $70,975K | $79,833K |
| Total Loans | $17,415K | $49,719K |
| Total Equity | $13,426K | $4,722K |
| Net Income (quarter) | $77 | $269 |
Liquidity & funding
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| Loan-to-Deposit Ratio | 24.54% | 62.28% |
| Core Deposit Ratio | 96.74% | 83.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Hancock County | Bank of Edison, the |
|---|---|---|
| Headquarters City | SPARTA | EDISON |
| Headquarters State | GA | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 16 | 20 |
| Established | Sept. 1, 1904, midnight | Oct. 1, 1904, 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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