Bank Comparison
Community 1st Bank Las Vegas vs The First National Bank of Milaca
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 5
winning metrics across 16 scored rows (1 tied)
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Capital adequacy
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| CET1 Ratio | 21.93% | 17.35% |
| Tier 1 Capital Ratio | 21.93% | 17.35% |
| Total Capital Ratio | 22.98% | 18.48% |
| Tier 1 Leverage Ratio | 10.02% | 10.77% |
| Equity / Assets | 9.18% | 10.25% |
Profitability
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| Return on Assets (ROA) | 2.18% | 2.01% |
| Return on Equity (ROE) | 24.16% | 19.79% |
| Net Interest Margin (NIM) | 4.12% | 4.62% |
| Yield on Earning Assets | 4.76% | 5.71% |
| Cost of Funds | 0.68% | 1.18% |
Asset quality
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| Texas Ratio | 0.11% | 2.83% |
| Non-Performing Loan Ratio | 0.03% | 0.45% |
| Non-Performing Asset Ratio | 0.01% | 0.30% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.29% | 1.02% |
Balance sheet
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| Total Assets | $293.9M | $293.2M |
| Total Deposits | $265.8M | $259.8M |
| Total Loans | $106.7M | $198.1M |
| Total Equity | $27.0M | $30.0M |
| Net Income (quarter) | $1.6M | $1.5M |
Liquidity & funding
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| Loan-to-Deposit Ratio | 40.13% | 76.24% |
| Core Deposit Ratio | 90.66% | 95.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community 1st Bank Las Vegas | The First National Bank of Milaca |
|---|---|---|
| Headquarters City | Las Vegas | Milaca |
| Headquarters State | NM | MN |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 34 | 51 |
| Established | November 23, 1949 | August 24, 1897 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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