Bank Comparison
Community National Bank of Okarche vs Kalamazoo County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| CET1 Ratio | — | 20.09% |
| Tier 1 Capital Ratio | — | 20.09% |
| Total Capital Ratio | — | 20.82% |
| Tier 1 Leverage Ratio | 17.28% | 11.62% |
| Equity / Assets | 17.19% | 10.16% |
Profitability
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| Return on Assets (ROA) | -1.06% | 0.50% |
| Return on Equity (ROE) | -6.35% | 4.92% |
| Net Interest Margin (NIM) | 2.64% | 4.00% |
| Yield on Earning Assets | 4.38% | 4.60% |
| Cost of Funds | 2.09% | 0.66% |
Asset quality
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 1.18% |
| Non-Performing Loan Ratio | 0.00% | 0.09% |
| Non-Performing Asset Ratio | 0.00% | 0.05% |
| Net Charge-Off Ratio | 0.00% | 0.15% |
| ACL / Loans | 1.31% | 0.85% |
Balance sheet
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| Total Assets | $121,004K | $120,866K |
| Total Deposits | $99,911K | $108,038K |
| Total Loans | $43,236K | $59,147K |
| Total Equity | $20,797K | $12,278K |
| Net Income (quarter) | $-333 | $152 |
Liquidity & funding
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 43.27% | 54.75% |
| Core Deposit Ratio | 65.83% | 94.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community National Bank of Okarche | Kalamazoo County State Bank |
|---|---|---|
| Headquarters City | Okarche | SCHOOLCRAFT |
| Headquarters State | OK | MI |
| Asset Tier | Small | Small |
| Charter Class | 18233 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 16 | 35 |
| Established | May 18, 1984, midnight | Jan. 1, 1908, 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.
View full Community National Bank of Okarche profile | View full Kalamazoo County State Bank profile | Browse all bank comparisons