Bank Comparison
Commercial Bank & Trust Company vs Premier Bank of the South
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| CET1 Ratio | — | 15.76% |
| Tier 1 Capital Ratio | — | 15.76% |
| Total Capital Ratio | — | 16.81% |
| Tier 1 Leverage Ratio | 11.04% | 9.29% |
| Equity / Assets | 6.72% | 8.48% |
Profitability
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 1.00% |
| Return on Equity (ROE) | 9.33% | 11.84% |
| Net Interest Margin (NIM) | 2.95% | 4.02% |
| Yield on Earning Assets | 5.04% | 5.30% |
| Cost of Funds | 2.24% | 1.37% |
Asset quality
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| Texas Ratio | 49.52% | 2.99% |
| Non-Performing Loan Ratio | 5.43% | 0.43% |
| Non-Performing Asset Ratio | 3.75% | 0.26% |
| Net Charge-Off Ratio | 0.15% | 0.17% |
| ACL / Loans | 1.26% | 1.01% |
Balance sheet
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| Total Assets | $372,851K | $372,084K |
| Total Deposits | $344,734K | $338,887K |
| Total Loans | $252,060K | $228,782K |
| Total Equity | $25,067K | $31,547K |
| Net Income (quarter) | $582 | $933 |
Liquidity & funding
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| Loan-to-Deposit Ratio | 73.12% | 67.51% |
| Core Deposit Ratio | 77.61% | 96.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial Bank & Trust Company | Premier Bank of the South |
|---|---|---|
| Headquarters City | MONTICELLO | CULLMAN |
| Headquarters State | AR | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 8 | 9 |
| Employees (FTE) | 59 | 83 |
| Established | Jan. 1, 1913, midnight | Nov. 30, 1987, 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 Bank & Trust Company profile | View full Premier Bank of the South profile | Browse all bank comparisons