Bank Comparison
Commercial Bank vs Mccurtain County National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| CET1 Ratio | 16.38% | — |
| Tier 1 Capital Ratio | 16.38% | — |
| Total Capital Ratio | 17.53% | — |
| Tier 1 Leverage Ratio | 9.20% | 15.67% |
| Equity / Assets | 7.36% | 15.44% |
Profitability
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.06% |
| Return on Equity (ROE) | 11.96% | 6.84% |
| Net Interest Margin (NIM) | 3.32% | 3.58% |
| Yield on Earning Assets | 4.43% | 5.47% |
| Cost of Funds | 1.19% | 2.12% |
Asset quality
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| Texas Ratio | 4.11% | 3.86% |
| Non-Performing Loan Ratio | 0.62% | 1.63% |
| Non-Performing Asset Ratio | 0.28% | 0.63% |
| Net Charge-Off Ratio | 0.00% | 0.32% |
| ACL / Loans | 1.30% | 2.54% |
Balance sheet
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| Total Assets | $383,670K | $383,363K |
| Total Deposits | $353,338K | $323,639K |
| Total Loans | $176,500K | $148,845K |
| Total Equity | $28,242K | $59,204K |
| Net Income (quarter) | $893 | $1,008K |
Liquidity & funding
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.95% | 45.99% |
| Core Deposit Ratio | 89.31% | 89.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial Bank | Mccurtain County National Bank |
|---|---|---|
| Headquarters City | PARSONS | BROKEN BOW |
| Headquarters State | KS | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 17269 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 67 | 73 |
| Established | May 30, 1874, midnight | April 23, 1982, 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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