Bank Comparison
Community National Bank vs Colorado Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| CET1 Ratio | 16.44% | 16.03% |
| Tier 1 Capital Ratio | 16.44% | 16.03% |
| Total Capital Ratio | 17.69% | 16.87% |
| Tier 1 Leverage Ratio | 12.29% | 9.94% |
| Equity / Assets | 12.39% | 9.98% |
Profitability
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 2.06% | 0.26% |
| Return on Equity (ROE) | 16.73% | 2.62% |
| Net Interest Margin (NIM) | 4.97% | 1.92% |
| Yield on Earning Assets | 5.90% | 4.91% |
| Cost of Funds | 1.01% | 3.22% |
Asset quality
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| Texas Ratio | 4.32% | 4.03% |
| Non-Performing Loan Ratio | 0.77% | 0.62% |
| Non-Performing Asset Ratio | 0.55% | 0.42% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.61% | 0.78% |
Balance sheet
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| Total Assets | $2,578M | $2,577M |
| Total Deposits | $2,227M | $1,506M |
| Total Loans | $1,598M | $1,733M |
| Total Equity | $319,461K | $257,356K |
| Net Income (quarter) | $13,188K | $1,688K |
Liquidity & funding
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.79% | 115.08% |
| Core Deposit Ratio | 94.36% | 90.62% |
| Uninsured Deposit Ratio | 47.36% | 9.49% |
Identity
| Metric | Community National Bank | Colorado Federal Savings Bank |
|---|---|---|
| Headquarters City | MIDLAND | GREENWOOD VILLAGE |
| Headquarters State | TX | CO |
| Asset Tier | Large | Large |
| Charter Class | 18054 | 708876 |
| Regulator | OCC | OCC |
| Domestic Branches | 13 | 1 |
| Employees (FTE) | 272 | 75 |
| Established | Jan. 3, 1984, midnight | June 29, 1990, 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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