Bank Comparison
Community Bank and Trust vs New Era Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| CET1 Ratio | 26.87% | — |
| Tier 1 Capital Ratio | 26.87% | — |
| Total Capital Ratio | 28.12% | — |
| Tier 1 Leverage Ratio | 8.22% | 13.88% |
| Equity / Assets | 8.25% | 13.95% |
Profitability
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 2.41% |
| Return on Equity (ROE) | 12.25% | 16.66% |
| Net Interest Margin (NIM) | 3.52% | 4.16% |
| Yield on Earning Assets | 4.11% | 5.30% |
| Cost of Funds | 0.63% | 1.24% |
Asset quality
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| Texas Ratio | 0.40% | 2.73% |
| Non-Performing Loan Ratio | 0.07% | 0.02% |
| Non-Performing Asset Ratio | 0.03% | 0.37% |
| Net Charge-Off Ratio | 0.08% | 0.47% |
| ACL / Loans | 0.98% | 1.38% |
Balance sheet
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| Total Assets | $441,949K | $449,154K |
| Total Deposits | $391,745K | $384,676K |
| Total Loans | $196,401K | $254,316K |
| Total Equity | $36,459K | $62,651K |
| Net Income (quarter) | $1,109K | $2,608K |
Liquidity & funding
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.13% | 66.11% |
| Core Deposit Ratio | 97.29% | 93.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Bank and Trust | New Era Bank |
|---|---|---|
| Headquarters City | NEOSHO | FREDERICKTOWN |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 8 |
| Employees (FTE) | 118 | 66 |
| Established | Jan. 1, 1884, midnight | Jan. 1, 1934, 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 Community Bank and Trust profile | View full New Era Bank profile | Browse all bank comparisons