Bank Comparison
Clinton Bank vs First National Bank of Brooksville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.22% | 11.39% |
| Equity / Assets | 15.29% | 10.95% |
Profitability
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 1.04% |
| Return on Equity (ROE) | 4.22% | 9.58% |
| Net Interest Margin (NIM) | 4.39% | 4.24% |
| Yield on Earning Assets | 5.89% | 5.15% |
| Cost of Funds | 1.73% | 0.99% |
Asset quality
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| Texas Ratio | 11.44% | 3.05% |
| Non-Performing Loan Ratio | 1.27% | 0.22% |
| Non-Performing Asset Ratio | 0.90% | 0.12% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.19% | 1.08% |
Balance sheet
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| Total Assets | $71,459K | $74,334K |
| Total Deposits | $60,097K | $65,823K |
| Total Loans | $50,978K | $40,926K |
| Total Equity | $10,929K | $8,140K |
| Net Income (quarter) | $117 | $195 |
Liquidity & funding
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 84.83% | 62.18% |
| Core Deposit Ratio | 84.95% | 98.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Clinton Bank | First National Bank of Brooksville, the |
|---|---|---|
| Headquarters City | CLINTON | BROOKSVILLE |
| Headquarters State | KY | KY |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 8830 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 16 |
| Established | Sept. 1, 1887, midnight | July 7, 1907, 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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