Bank Comparison
Carrollton Federal Bank vs Defiance State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 5
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.98% | 9.79% |
| Equity / Assets | 14.29% | 9.71% |
Profitability
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 0.69% |
| Return on Equity (ROE) | 4.52% | 7.14% |
| Net Interest Margin (NIM) | 3.96% | 3.83% |
| Yield on Earning Assets | 5.29% | 5.19% |
| Cost of Funds | 1.39% | 1.43% |
Asset quality
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.62% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.71% | 0.62% |
Balance sheet
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| Total Assets | $42,592K | $42,492K |
| Total Deposits | $36,239K | $33,675K |
| Total Loans | $26,722K | $32,049K |
| Total Equity | $6,085K | $4,128K |
| Net Income (quarter) | $69 | $73 |
Liquidity & funding
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.74% | 95.17% |
| Core Deposit Ratio | 93.10% | 88.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Carrollton Federal Bank | Defiance State Bank |
|---|---|---|
| Headquarters City | CARROLLTON | DEFIANCE |
| Headquarters State | KY | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 704069 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 10 | 7 |
| Established | Jan. 1, 1890, midnight | Sept. 1, 1951, 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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