Bank Comparison
Community Bank of Oklahoma vs First State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.46% | 10.85% |
| Equity / Assets | 10.31% | 10.56% |
Profitability
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.85% | 1.51% |
| Return on Equity (ROE) | 16.77% | 14.10% |
| Net Interest Margin (NIM) | 4.86% | 3.88% |
| Yield on Earning Assets | 6.19% | 5.79% |
| Cost of Funds | 1.28% | 2.07% |
Asset quality
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| Texas Ratio | 19.27% | 0.00% |
| Non-Performing Loan Ratio | 3.08% | 0.00% |
| Non-Performing Asset Ratio | 1.67% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.05% | 0.95% |
Balance sheet
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| Total Assets | $72,450K | $72,225K |
| Total Deposits | $64,421K | $61,423K |
| Total Loans | $39,301K | $55,256K |
| Total Equity | $7,466K | $7,626K |
| Net Income (quarter) | $316 | $267 |
Liquidity & funding
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.01% | 89.96% |
| Core Deposit Ratio | 92.92% | 84.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Bank of Oklahoma | First State Bank |
|---|---|---|
| Headquarters City | VERDEN | NASHUA |
| Headquarters State | OK | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 17 | 9 |
| Established | Aug. 1, 1907, midnight | Feb. 21, 2005, 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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