Bank Comparison
Commonwealth Cooperative Bank vs First & Peoples Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.29% | 9.18% |
| Equity / Assets | 13.42% | 7.43% |
Profitability
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.33% | -0.53% |
| Return on Equity (ROE) | 2.44% | -7.24% |
| Net Interest Margin (NIM) | 2.77% | 2.75% |
| Yield on Earning Assets | 4.79% | 3.75% |
| Cost of Funds | 2.30% | 1.05% |
Asset quality
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| Texas Ratio | 2.25% | 77.02% |
| Non-Performing Loan Ratio | 0.49% | 17.15% |
| Non-Performing Asset Ratio | 0.31% | 7.32% |
| Net Charge-Off Ratio | 0.00% | -2.53% |
| ACL / Loans | 0.63% | 4.89% |
Balance sheet
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| Total Assets | $209,384K | $209,287K |
| Total Deposits | $138,549K | $193,086K |
| Total Loans | $131,367K | $89,373K |
| Total Equity | $28,106K | $15,545K |
| Net Income (quarter) | $171 | $-292 |
Liquidity & funding
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 94.82% | 46.29% |
| Core Deposit Ratio | 80.15% | 95.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commonwealth Cooperative Bank | First & Peoples Bank and Trust Company |
|---|---|---|
| Headquarters City | HYDE PARK | RUSSELL |
| Headquarters State | MA | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 14 | 49 |
| Established | Jan. 1, 1886, midnight | Feb. 28, 1932, 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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