Bank Comparison
Bar Harbor Savings and Loan Association vs Owingsville Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.48% | 10.11% |
| Equity / Assets | 11.73% | 8.99% |
Profitability
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| Return on Assets (ROA) | 0.39% | 0.67% |
| Return on Equity (ROE) | 3.37% | 7.22% |
| Net Interest Margin (NIM) | 2.04% | 4.26% |
| Yield on Earning Assets | 4.90% | 6.44% |
| Cost of Funds | 3.20% | 2.24% |
Asset quality
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| Texas Ratio | 12.20% | 4.75% |
| Non-Performing Loan Ratio | 1.75% | 0.27% |
| Non-Performing Asset Ratio | 1.52% | 0.20% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.85% | 1.11% |
Balance sheet
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| Total Assets | $101,589K | $101,335K |
| Total Deposits | $74,030K | $89,712K |
| Total Loans | $88,151K | $76,286K |
| Total Equity | $11,918K | $9,113K |
| Net Income (quarter) | $100 | $164 |
Liquidity & funding
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 119.07% | 85.03% |
| Core Deposit Ratio | 83.16% | 92.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bar Harbor Savings and Loan Association | Owingsville Banking Company |
|---|---|---|
| Headquarters City | BAR HARBOR | OWINGSVILLE |
| Headquarters State | ME | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 8 | 25 |
| Established | Jan. 1, 1902, midnight | May 10, 1893, 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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