Bank Comparison
Cnb ST. Louis Bank vs Quontic Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| CET1 Ratio | 10.42% | — |
| Tier 1 Capital Ratio | 10.42% | — |
| Total Capital Ratio | 11.68% | — |
| Tier 1 Leverage Ratio | 8.96% | 9.53% |
| Equity / Assets | 7.33% | 10.04% |
Profitability
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 0.36% |
| Return on Equity (ROE) | 18.91% | 3.53% |
| Net Interest Margin (NIM) | 3.41% | 3.36% |
| Yield on Earning Assets | 5.59% | 6.77% |
| Cost of Funds | 2.37% | 3.72% |
Asset quality
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| Texas Ratio | 5.25% | 23.41% |
| Non-Performing Loan Ratio | 0.48% | 3.43% |
| Non-Performing Asset Ratio | 0.39% | 2.38% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.79% | 0.20% |
Balance sheet
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| Total Assets | $852,685K | $852,770K |
| Total Deposits | $732,893K | $759,760K |
| Total Loans | $689,720K | $580,887K |
| Total Equity | $62,494K | $85,624K |
| Net Income (quarter) | $2,922K | $753 |
Liquidity & funding
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.11% | 76.46% |
| Core Deposit Ratio | 92.04% | 93.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cnb ST. Louis Bank | Quontic Bank |
|---|---|---|
| Headquarters City | MAPLEWOOD | ASTORIA |
| Headquarters State | MO | NY |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 717974 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 87 | 166 |
| Established | Jan. 1, 1915, midnight | March 14, 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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