Bank Comparison
Chillicothe State Bank vs Alton Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 5
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| CET1 Ratio | 19.87% | 10.00% |
| Tier 1 Capital Ratio | 19.87% | 10.00% |
| Total Capital Ratio | 21.13% | 10.49% |
| Tier 1 Leverage Ratio | 8.69% | 8.16% |
| Equity / Assets | 8.05% | 7.53% |
Profitability
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.06% |
| Return on Equity (ROE) | 15.60% | 14.22% |
| Net Interest Margin (NIM) | 3.89% | 3.39% |
| Yield on Earning Assets | 4.68% | 5.98% |
| Cost of Funds | 0.85% | 2.67% |
Asset quality
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| Texas Ratio | 4.99% | 2.77% |
| Non-Performing Loan Ratio | 0.84% | 0.23% |
| Non-Performing Asset Ratio | 0.44% | 0.19% |
| Net Charge-Off Ratio | -0.01% | 0.07% |
| ACL / Loans | 1.60% | 0.64% |
Balance sheet
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| Total Assets | $139,134K | $138,814K |
| Total Deposits | $127,007K | $122,056K |
| Total Loans | $73,112K | $81,380K |
| Total Equity | $11,197K | $10,449K |
| Net Income (quarter) | $434 | $366 |
Liquidity & funding
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 57.57% | 66.67% |
| Core Deposit Ratio | 99.72% | 85.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Chillicothe State Bank | Alton Bank |
|---|---|---|
| Headquarters City | CHILLICOTHE | ALTON |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 24 | 19 |
| Established | Oct. 19, 1937, midnight | April 17, 1924, 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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