Bank Comparison
Community First Bank vs Owingsville Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.49% | 10.11% |
| Equity / Assets | 8.56% | 8.99% |
Profitability
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 0.67% |
| Return on Equity (ROE) | 8.09% | 7.22% |
| Net Interest Margin (NIM) | 4.11% | 4.26% |
| Yield on Earning Assets | 5.12% | 6.44% |
| Cost of Funds | 1.08% | 2.24% |
Asset quality
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| Texas Ratio | 0.00% | 4.75% |
| Non-Performing Loan Ratio | 0.00% | 0.27% |
| Non-Performing Asset Ratio | 0.00% | 0.20% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.10% | 1.11% |
Balance sheet
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| Total Assets | $101,355K | $101,335K |
| Total Deposits | $83,412K | $89,712K |
| Total Loans | $61,500K | $76,286K |
| Total Equity | $8,681K | $9,113K |
| Net Income (quarter) | $174 | $164 |
Liquidity & funding
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 73.73% | 85.03% |
| Core Deposit Ratio | 97.26% | 92.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community First Bank | Owingsville Banking Company |
|---|---|---|
| Headquarters City | ROSHOLT | OWINGSVILLE |
| Headquarters State | WI | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 24 | 25 |
| Established | Jan. 1, 1904, midnight | May 10, 1893, 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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