Bank Comparison
Bank of Utica vs Central National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| CET1 Ratio | — | 12.31% |
| Tier 1 Capital Ratio | — | 12.31% |
| Total Capital Ratio | — | 13.56% |
| Tier 1 Leverage Ratio | 25.79% | 9.76% |
| Equity / Assets | 25.56% | 9.07% |
Profitability
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| Return on Assets (ROA) | 3.04% | 2.04% |
| Return on Equity (ROE) | 11.97% | 22.59% |
| Net Interest Margin (NIM) | 1.96% | 3.84% |
| Yield on Earning Assets | 3.91% | 5.81% |
| Cost of Funds | 2.67% | 2.11% |
Asset quality
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| Texas Ratio | 0.32% | 0.58% |
| Non-Performing Loan Ratio | 0.81% | 0.00% |
| Non-Performing Asset Ratio | 0.08% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.05% |
| ACL / Loans | 1.11% | 1.20% |
Balance sheet
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| Total Assets | $1,447M | $1,446M |
| Total Deposits | $1,041M | $1,288M |
| Total Loans | $146,290K | $1,166M |
| Total Equity | $370,040K | $131,150K |
| Net Income (quarter) | $10,907K | $7,358K |
Liquidity & funding
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 14.04% | 90.53% |
| Core Deposit Ratio | 86.62% | 85.00% |
| Uninsured Deposit Ratio | 32.99% | 45.00% |
Identity
| Metric | Bank of Utica | Central National Bank |
|---|---|---|
| Headquarters City | UTICA | WACO |
| Headquarters State | NY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 16626 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 44 | 106 |
| Established | April 23, 1927, midnight | Jan. 10, 1977, 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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