Bank Comparison
Bank of Newington vs Douglas National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 17
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| CET1 Ratio | 11.24% | 14.19% |
| Tier 1 Capital Ratio | 11.24% | 14.19% |
| Total Capital Ratio | 12.50% | 15.26% |
| Tier 1 Leverage Ratio | 8.90% | 9.93% |
| Equity / Assets | 8.65% | 9.16% |
Profitability
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.52% | 3.47% |
| Return on Equity (ROE) | 17.34% | 36.76% |
| Net Interest Margin (NIM) | 4.81% | 5.35% |
| Yield on Earning Assets | 7.33% | 6.66% |
| Cost of Funds | 2.69% | 1.42% |
Asset quality
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| Texas Ratio | 10.64% | 2.35% |
| Non-Performing Loan Ratio | 0.52% | 0.32% |
| Non-Performing Asset Ratio | 0.58% | 0.23% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 1.86% | 1.02% |
Balance sheet
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| Total Assets | $331,214K | $331,550K |
| Total Deposits | $299,724K | $301,091K |
| Total Loans | $254,609K | $242,441K |
| Total Equity | $28,640K | $30,354K |
| Net Income (quarter) | $1,228K | $2,874K |
Liquidity & funding
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.95% | 80.52% |
| Core Deposit Ratio | 84.45% | 88.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Newington | Douglas National Bank |
|---|---|---|
| Headquarters City | NEWINGTON | DOUGLAS |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 24249 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 45 | 35 |
| Established | Aug. 14, 1919, midnight | Nov. 19, 2001, 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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