Bank Comparison
Bennington State Bank, the vs Bank of Central Florida
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| CET1 Ratio | 15.34% | 12.04% |
| Tier 1 Capital Ratio | 15.34% | 12.04% |
| Total Capital Ratio | 16.60% | 13.05% |
| Tier 1 Leverage Ratio | 10.83% | 8.45% |
| Equity / Assets | 10.20% | 7.67% |
Profitability
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| Return on Assets (ROA) | 2.40% | 1.26% |
| Return on Equity (ROE) | 23.10% | 16.50% |
| Net Interest Margin (NIM) | 3.93% | 3.61% |
| Yield on Earning Assets | 5.67% | 4.92% |
| Cost of Funds | 1.88% | 1.43% |
Asset quality
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| Texas Ratio | 1.82% | 1.72% |
| Non-Performing Loan Ratio | 0.13% | 0.21% |
| Non-Performing Asset Ratio | 0.08% | 0.14% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 2.14% | 1.05% |
Balance sheet
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| Total Assets | $1,249M | $1,251M |
| Total Deposits | $1,056M | $1,145M |
| Total Loans | $828,208K | $845,966K |
| Total Equity | $127,540K | $96,035K |
| Net Income (quarter) | $7,288K | $3,977K |
Liquidity & funding
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| Loan-to-Deposit Ratio | 78.41% | 73.84% |
| Core Deposit Ratio | 95.79% | 97.64% |
| Uninsured Deposit Ratio | 37.97% | 29.32% |
Identity
| Metric | Bennington State Bank, the | Bank of Central Florida |
|---|---|---|
| Headquarters City | SALINA | LAKELAND |
| Headquarters State | KS | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 15 | 6 |
| Employees (FTE) | 147 | 108 |
| Established | Jan. 1, 1884, midnight | March 19, 2007, 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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