Bank Comparison
Central National Bank vs Idaho First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| CET1 Ratio | — | 14.77% |
| Tier 1 Capital Ratio | — | 14.77% |
| Total Capital Ratio | — | 15.98% |
| Tier 1 Leverage Ratio | 10.81% | 10.25% |
| Equity / Assets | 9.94% | 10.14% |
Profitability
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 0.67% |
| Return on Equity (ROE) | 13.45% | 6.85% |
| Net Interest Margin (NIM) | 3.75% | 3.14% |
| Yield on Earning Assets | 5.41% | 5.43% |
| Cost of Funds | 1.73% | 2.43% |
Asset quality
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| Texas Ratio | 5.07% | 0.51% |
| Non-Performing Loan Ratio | 0.93% | 0.09% |
| Non-Performing Asset Ratio | 0.54% | 0.06% |
| Net Charge-Off Ratio | 0.36% | 0.09% |
| ACL / Loans | 1.86% | 1.29% |
Balance sheet
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| Total Assets | $1,376M | $1,371M |
| Total Deposits | $1,189M | $1,226M |
| Total Loans | $781,894K | $877,650K |
| Total Equity | $136,815K | $139,105K |
| Net Income (quarter) | $4,524K | $2,295K |
Liquidity & funding
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.74% | 71.59% |
| Core Deposit Ratio | 94.94% | 96.18% |
| Uninsured Deposit Ratio | 37.14% | 34.81% |
Identity
| Metric | Central National Bank | Idaho First Bank |
|---|---|---|
| Headquarters City | JUNCTION CITY | MCCALL |
| Headquarters State | KS | ID |
| Asset Tier | Large | Large |
| Charter Class | 4284 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 35 | 9 |
| Employees (FTE) | 264 | 94 |
| Established | Jan. 1, 1884, midnight | Oct. 3, 2005, 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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