Bank Comparison
Commercial and Savings Bank of Millersburg, Ohio, the vs Optimumbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| CET1 Ratio | 15.21% | — |
| Tier 1 Capital Ratio | 15.21% | — |
| Total Capital Ratio | 16.47% | — |
| Tier 1 Leverage Ratio | 10.12% | 10.74% |
| Equity / Assets | 10.10% | 9.91% |
Profitability
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| Return on Assets (ROA) | 1.44% | 1.67% |
| Return on Equity (ROE) | 14.47% | 16.45% |
| Net Interest Margin (NIM) | 3.82% | 4.40% |
| Yield on Earning Assets | 4.98% | 6.49% |
| Cost of Funds | 1.22% | 2.37% |
Asset quality
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| Texas Ratio | 1.32% | 1.58% |
| Non-Performing Loan Ratio | 0.17% | 0.20% |
| Non-Performing Asset Ratio | 0.11% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.52% | 1.02% |
Balance sheet
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| Total Assets | $1,265M | $1,268M |
| Total Deposits | $1,102M | $1,094M |
| Total Loans | $853,264K | $1,089M |
| Total Equity | $127,769K | $125,760K |
| Net Income (quarter) | $4,573K | $5,070K |
Liquidity & funding
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.37% | 99.59% |
| Core Deposit Ratio | 92.40% | 91.85% |
| Uninsured Deposit Ratio | 23.86% | — |
Identity
| Metric | Commercial and Savings Bank of Millersburg, Ohio, the | Optimumbank |
|---|---|---|
| Headquarters City | MILLERSBURG | FORT LAUDERDALE |
| Headquarters State | OH | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 16 | 4 |
| Employees (FTE) | 182 | 106 |
| Established | Jan. 1, 1879, midnight | Nov. 1, 2000, 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.
View full Commercial and Savings Bank of Millersburg, Ohio, the profile | View full Optimumbank profile | Browse all bank comparisons