Bank Comparison
Community First Bank vs 1st Equity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| CET1 Ratio | — | 22.76% |
| Tier 1 Capital Ratio | — | 22.76% |
| Total Capital Ratio | — | 24.02% |
| Tier 1 Leverage Ratio | 12.79% | 16.22% |
| Equity / Assets | 12.36% | 16.91% |
Profitability
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| Return on Assets (ROA) | 2.01% | 1.62% |
| Return on Equity (ROE) | 16.26% | 9.78% |
| Net Interest Margin (NIM) | 3.89% | 3.87% |
| Yield on Earning Assets | 5.38% | 6.01% |
| Cost of Funds | 1.66% | 2.43% |
Asset quality
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| Texas Ratio | 4.24% | 0.00% |
| Non-Performing Loan Ratio | 0.04% | 0.00% |
| Non-Performing Asset Ratio | 0.46% | 0.00% |
| Net Charge-Off Ratio | -0.49% | 0.00% |
| ACL / Loans | 1.41% | 1.65% |
Balance sheet
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| Total Assets | $126,422K | $126,495K |
| Total Deposits | $108,610K | $83,767K |
| Total Loans | $65,627K | $90,288K |
| Total Equity | $15,621K | $21,392K |
| Net Income (quarter) | $629 | $515 |
Liquidity & funding
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.42% | 107.78% |
| Core Deposit Ratio | 91.63% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community First Bank | 1st Equity Bank |
|---|---|---|
| Headquarters City | MENAHGA | SKOKIE |
| Headquarters State | MN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 24 | 12 |
| Established | Sept. 1, 1898, midnight | June 9, 1997, 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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