Bank Comparison
Central National Bank vs Ulster Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 5
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| CET1 Ratio | — | 14.24% |
| Tier 1 Capital Ratio | — | 14.24% |
| Total Capital Ratio | — | 15.49% |
| Tier 1 Leverage Ratio | 10.81% | 9.78% |
| Equity / Assets | 9.94% | 8.96% |
Profitability
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 0.59% |
| Return on Equity (ROE) | 13.45% | 6.71% |
| Net Interest Margin (NIM) | 3.75% | 3.18% |
| Yield on Earning Assets | 5.41% | 4.68% |
| Cost of Funds | 1.73% | 1.59% |
Asset quality
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| Texas Ratio | 5.07% | 14.21% |
| Non-Performing Loan Ratio | 0.93% | 1.79% |
| Non-Performing Asset Ratio | 0.54% | 1.37% |
| Net Charge-Off Ratio | 0.36% | 0.00% |
| ACL / Loans | 1.86% | 1.10% |
Balance sheet
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| Total Assets | $1,376M | $1,371M |
| Total Deposits | $1,189M | $1,219M |
| Total Loans | $781,894K | $1,046M |
| Total Equity | $136,815K | $122,873K |
| Net Income (quarter) | $4,524K | $2,047K |
Liquidity & funding
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.74% | 85.74% |
| Core Deposit Ratio | 94.94% | 91.43% |
| Uninsured Deposit Ratio | 37.14% | 19.55% |
Identity
| Metric | Central National Bank | Ulster Savings Bank |
|---|---|---|
| Headquarters City | JUNCTION CITY | KINGSTON |
| Headquarters State | KS | NY |
| Asset Tier | Large | Large |
| Charter Class | 4284 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 35 | 15 |
| Employees (FTE) | 264 | 242 |
| Established | Jan. 1, 1884, midnight | April 13, 1851, 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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