Bank Comparison
Central Bank & Trust Company vs First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 5
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| CET1 Ratio | 15.02% | 10.88% |
| Tier 1 Capital Ratio | 15.02% | 10.88% |
| Total Capital Ratio | 16.01% | 13.08% |
| Tier 1 Leverage Ratio | 12.35% | 10.20% |
| Equity / Assets | 12.28% | 11.32% |
Profitability
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 0.78% |
| Return on Equity (ROE) | 10.02% | 6.85% |
| Net Interest Margin (NIM) | 3.96% | 3.64% |
| Yield on Earning Assets | 5.34% | 5.98% |
| Cost of Funds | 1.54% | 2.51% |
Asset quality
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| Texas Ratio | 3.92% | 5.08% |
| Non-Performing Loan Ratio | 0.64% | 0.68% |
| Non-Performing Asset Ratio | 0.47% | 0.57% |
| Net Charge-Off Ratio | 0.04% | 0.61% |
| ACL / Loans | 0.98% | 1.39% |
Balance sheet
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| Total Assets | $3,992M | $3,970M |
| Total Deposits | $3,114M | $3,227M |
| Total Loans | $2,941M | $3,304M |
| Total Equity | $490,379K | $449,378K |
| Net Income (quarter) | $12,189K | $7,646K |
Liquidity & funding
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.43% | 102.38% |
| Core Deposit Ratio | 87.44% | 92.52% |
| Uninsured Deposit Ratio | 34.91% | 38.44% |
Identity
| Metric | Central Bank & Trust Company | First Bank |
|---|---|---|
| Headquarters City | LEXINGTON | HAMILTON |
| Headquarters State | KY | NJ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 28 | 26 |
| Employees (FTE) | 518 | 327 |
| Established | April 15, 1938, midnight | April 23, 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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