Bank Comparison
Bank of Vernon, the vs First National Bank of Brookfield
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| CET1 Ratio | — | 12.97% |
| Tier 1 Capital Ratio | — | 12.97% |
| Total Capital Ratio | — | 14.22% |
| Tier 1 Leverage Ratio | 17.09% | 12.63% |
| Equity / Assets | 16.15% | 12.55% |
Profitability
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 1.62% |
| Return on Equity (ROE) | 11.48% | 12.89% |
| Net Interest Margin (NIM) | 4.77% | 4.13% |
| Yield on Earning Assets | 6.91% | 6.32% |
| Cost of Funds | 2.49% | 2.51% |
Asset quality
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| Texas Ratio | 1.55% | 0.00% |
| Non-Performing Loan Ratio | 0.12% | 0.00% |
| Non-Performing Asset Ratio | 0.17% | 0.00% |
| Net Charge-Off Ratio | 0.06% | 0.01% |
| ACL / Loans | 1.11% | 1.55% |
Balance sheet
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| Total Assets | $427,698K | $427,997K |
| Total Deposits | $356,502K | $339,797K |
| Total Loans | $325,023K | $386,612K |
| Total Equity | $69,082K | $53,712K |
| Net Income (quarter) | $1,961K | $1,703K |
Liquidity & funding
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| Loan-to-Deposit Ratio | 91.17% | 113.78% |
| Core Deposit Ratio | 91.57% | 90.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Vernon, the | First National Bank of Brookfield |
|---|---|---|
| Headquarters City | VERNON | BROOKFIELD |
| Headquarters State | AL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14993 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 59 | 40 |
| Established | Nov. 11, 1911, midnight | July 23, 1962, 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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