Bank Comparison
Central National Bank vs Community Financial Services Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 8
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| CET1 Ratio | — | 13.47% |
| Tier 1 Capital Ratio | — | 13.47% |
| Total Capital Ratio | — | 14.72% |
| Tier 1 Leverage Ratio | 10.81% | 10.21% |
| Equity / Assets | 9.94% | 7.83% |
Profitability
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 0.92% |
| Return on Equity (ROE) | 13.45% | 12.09% |
| Net Interest Margin (NIM) | 3.75% | 3.44% |
| Yield on Earning Assets | 5.41% | 5.42% |
| Cost of Funds | 1.73% | 2.06% |
Asset quality
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| Texas Ratio | 5.07% | 4.60% |
| Non-Performing Loan Ratio | 0.93% | 0.57% |
| Non-Performing Asset Ratio | 0.54% | 0.40% |
| Net Charge-Off Ratio | 0.36% | 0.20% |
| ACL / Loans | 1.86% | 1.34% |
Balance sheet
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| Total Assets | $1,376M | $1,370M |
| Total Deposits | $1,189M | $1,236M |
| Total Loans | $781,894K | $973,303K |
| Total Equity | $136,815K | $107,343K |
| Net Income (quarter) | $4,524K | $3,280K |
Liquidity & funding
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.74% | 78.72% |
| Core Deposit Ratio | 94.94% | 94.18% |
| Uninsured Deposit Ratio | 37.14% | 20.39% |
Identity
| Metric | Central National Bank | Community Financial Services Bank |
|---|---|---|
| Headquarters City | JUNCTION CITY | BENTON |
| Headquarters State | KS | KY |
| Asset Tier | Large | Large |
| Charter Class | 4284 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 35 | 8 |
| Employees (FTE) | 264 | 226 |
| Established | Jan. 1, 1884, midnight | Jan. 1, 1890, 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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