Bank Comparison
Community National Bank vs Iowa State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| CET1 Ratio | 14.36% | — |
| Tier 1 Capital Ratio | 14.36% | — |
| Total Capital Ratio | 15.62% | — |
| Tier 1 Leverage Ratio | 10.19% | 11.38% |
| Equity / Assets | 10.44% | 10.47% |
Profitability
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.46% |
| Return on Equity (ROE) | 14.85% | 14.44% |
| Net Interest Margin (NIM) | 3.77% | 3.52% |
| Yield on Earning Assets | 5.38% | 5.70% |
| Cost of Funds | 1.73% | 2.37% |
Asset quality
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| Texas Ratio | 6.08% | 1.70% |
| Non-Performing Loan Ratio | 0.73% | 0.08% |
| Non-Performing Asset Ratio | 0.58% | 0.06% |
| Net Charge-Off Ratio | 0.00% | -0.13% |
| ACL / Loans | 1.15% | 1.20% |
Balance sheet
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| Total Assets | $1,234M | $1,234M |
| Total Deposits | $1,019M | $894,826K |
| Total Loans | $985,030K | $876,554K |
| Total Equity | $128,868K | $129,320K |
| Net Income (quarter) | $4,721K | $4,664K |
Liquidity & funding
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.65% | 97.96% |
| Core Deposit Ratio | 94.91% | 84.18% |
| Uninsured Deposit Ratio | 23.01% | 23.49% |
Identity
| Metric | Community National Bank | Iowa State Bank |
|---|---|---|
| Headquarters City | DERBY | HULL |
| Headquarters State | VT | IA |
| Asset Tier | Large | Large |
| Charter Class | 1368 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 12 | 14 |
| Employees (FTE) | 127 | 109 |
| Established | Jan. 15, 1851, midnight | Jan. 1, 1879, 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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