Bank Comparison
Cb&s Bank, INC. vs National Exchange Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.22% | 19.53% |
| Equity / Assets | 5.20% | 18.94% |
Profitability
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 1.65% |
| Return on Equity (ROE) | 13.23% | 8.84% |
| Net Interest Margin (NIM) | 3.24% | 3.76% |
| Yield on Earning Assets | 5.06% | 5.13% |
| Cost of Funds | 1.94% | 1.69% |
Asset quality
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| Texas Ratio | 26.37% | 2.81% |
| Non-Performing Loan Ratio | 1.06% | 1.02% |
| Non-Performing Asset Ratio | 1.30% | 0.58% |
| Net Charge-Off Ratio | 0.01% | -0.03% |
| ACL / Loans | 1.10% | 3.10% |
Balance sheet
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| Total Assets | $2,938M | $2,933M |
| Total Deposits | $2,510M | $2,317M |
| Total Loans | $1,647M | $1,661M |
| Total Equity | $152,810K | $555,430K |
| Net Income (quarter) | $5,473K | $12,266K |
Liquidity & funding
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 65.63% | 71.72% |
| Core Deposit Ratio | 87.85% | 97.42% |
| Uninsured Deposit Ratio | 32.92% | 42.05% |
Identity
| Metric | Cb&s Bank, INC. | National Exchange Bank and Trust |
|---|---|---|
| Headquarters City | RUSSELLVILLE | FOND DU LAC |
| Headquarters State | AL | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 13879 |
| Regulator | FDIC | OCC |
| Domestic Branches | 58 | 34 |
| Employees (FTE) | 565 | 364 |
| Established | Jan. 1, 1906, midnight | Dec. 20, 1933, 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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