Bank Comparison
Bank of Kampsville vs Clearpoint Federal Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 8
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.45% | 18.63% |
| Equity / Assets | 16.95% | 14.05% |
Profitability
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.72% | -0.50% |
| Return on Equity (ROE) | 4.19% | -3.64% |
| Net Interest Margin (NIM) | 2.93% | 2.15% |
| Yield on Earning Assets | 4.14% | 3.11% |
| Cost of Funds | 1.38% | 1.16% |
Asset quality
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| Texas Ratio | 0.26% | 0.00% |
| Non-Performing Loan Ratio | 0.13% | — |
| Non-Performing Asset Ratio | 0.04% | 0.00% |
| Net Charge-Off Ratio | 0.03% | — |
| ACL / Loans | 0.74% | — |
Balance sheet
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| Total Assets | $133,365K | $133,512K |
| Total Deposits | $110,360K | $113,209K |
| Total Loans | $46,898K | $0 |
| Total Equity | $22,610K | $18,765K |
| Net Income (quarter) | $238 | $-177 |
Liquidity & funding
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 42.50% | 0.00% |
| Core Deposit Ratio | 92.38% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Kampsville | Clearpoint Federal Bank & Trust |
|---|---|---|
| Headquarters City | KAMPSVILLE | BATESVILLE |
| Headquarters State | IL | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 714961 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 21 | 34 |
| Established | Dec. 1, 1908, midnight | July 29, 1998, 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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