Bank Comparison
CenBank vs First National Bank of Gilbert, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| CET1 Ratio | 11.63% | 12.81% |
| Tier 1 Capital Ratio | 11.63% | 12.81% |
| Total Capital Ratio | 12.60% | 14.07% |
| Tier 1 Leverage Ratio | 7.26% | 7.02% |
| Equity / Assets | 7.13% | 6.94% |
Profitability
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 0.44% |
| Return on Equity (ROE) | 7.88% | 6.29% |
| Net Interest Margin (NIM) | 4.29% | 3.48% |
| Yield on Earning Assets | 5.35% | 5.20% |
| Cost of Funds | 1.14% | 1.80% |
Asset quality
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| Texas Ratio | 0.00% | 1.90% |
| Non-Performing Loan Ratio | 0.00% | 0.04% |
| Non-Performing Asset Ratio | 0.00% | 0.03% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.07% | 1.07% |
Balance sheet
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| Total Assets | $87,184K | $87,422K |
| Total Deposits | $80,576K | $77,505K |
| Total Loans | $47,304K | $68,695K |
| Total Equity | $6,216K | $6,071K |
| Net Income (quarter) | $122 | $95 |
Liquidity & funding
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| Loan-to-Deposit Ratio | 58.71% | 88.63% |
| Core Deposit Ratio | 95.09% | 90.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | CenBank | First National Bank of Gilbert, the |
|---|---|---|
| Headquarters City | Buffalo Lake | GILBERT |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 9262 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 11 | 15 |
| Established | Jan. 1, 1893, midnight | Oct. 26, 1908, 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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