Bank Comparison
Central National Bank vs City National Bank of Sulphur Springs, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| CET1 Ratio | — | 14.09% |
| Tier 1 Capital Ratio | — | 14.09% |
| Total Capital Ratio | — | 15.34% |
| Tier 1 Leverage Ratio | 10.81% | 9.86% |
| Equity / Assets | 9.94% | 9.57% |
Profitability
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 2.32% |
| Return on Equity (ROE) | 13.45% | 23.97% |
| Net Interest Margin (NIM) | 3.75% | 4.66% |
| Yield on Earning Assets | 5.41% | 6.06% |
| Cost of Funds | 1.73% | 1.48% |
Asset quality
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Texas Ratio | 5.07% | 1.20% |
| Non-Performing Loan Ratio | 0.93% | 0.09% |
| Non-Performing Asset Ratio | 0.54% | 0.06% |
| Net Charge-Off Ratio | 0.36% | -0.18% |
| ACL / Loans | 1.86% | 1.51% |
Balance sheet
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Total Assets | $1,376M | $1,373M |
| Total Deposits | $1,189M | $1,231M |
| Total Loans | $781,894K | $944,892K |
| Total Equity | $136,815K | $131,357K |
| Net Income (quarter) | $4,524K | $7,912K |
Liquidity & funding
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Loan-to-Deposit Ratio | 65.74% | 76.72% |
| Core Deposit Ratio | 94.94% | 91.17% |
| Uninsured Deposit Ratio | 37.14% | 27.33% |
Identity
| Metric | Central National Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Headquarters City | JUNCTION CITY | SULPHUR SPRINGS |
| Headquarters State | KS | TX |
| Asset Tier | Large | Large |
| Charter Class | 4284 | 3989 |
| Regulator | OCC | OCC |
| Domestic Branches | 35 | 17 |
| Employees (FTE) | 264 | 244 |
| Established | Jan. 1, 1884, midnight | Jan. 1, 1889, 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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