Bank Comparison
Bridge Community Bank vs Johnson City Bank
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 | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.87% | 13.07% |
| Equity / Assets | 14.78% | 11.96% |
Profitability
| Metric | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.50% |
| Return on Equity (ROE) | 8.83% | 12.06% |
| Net Interest Margin (NIM) | 4.97% | 3.99% |
| Yield on Earning Assets | 6.31% | 5.25% |
| Cost of Funds | 1.39% | 1.39% |
Asset quality
| Metric | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| Texas Ratio | 0.20% | 2.16% |
| Non-Performing Loan Ratio | 0.03% | 0.23% |
| Non-Performing Asset Ratio | 0.02% | 0.13% |
| Net Charge-Off Ratio | -0.01% | 0.15% |
| ACL / Loans | 1.02% | 1.15% |
Balance sheet
| Metric | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| Total Assets | $148,531K | $148,793K |
| Total Deposits | $124,519K | $130,739K |
| Total Loans | $99,281K | $86,860K |
| Total Equity | $21,948K | $17,800K |
| Net Income (quarter) | $480 | $536 |
Liquidity & funding
| Metric | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.73% | 66.44% |
| Core Deposit Ratio | 91.51% | 82.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bridge Community Bank | Johnson City Bank |
|---|---|---|
| Headquarters City | MOUNT VERNON | JOHNSON CITY |
| Headquarters State | IA | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 17 | 24 |
| Established | Sept. 8, 1903, midnight | Aug. 1, 1944, 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.
View full Bridge Community Bank profile | View full Johnson City Bank profile | Browse all bank comparisons