Bank Comparison
Community Savings Bank vs Alliance Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| CET1 Ratio | — | 13.65% |
| Tier 1 Capital Ratio | — | 13.65% |
| Total Capital Ratio | — | 14.61% |
| Tier 1 Leverage Ratio | 13.52% | 8.85% |
| Equity / Assets | 11.63% | 8.30% |
Profitability
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| Return on Assets (ROA) | -0.32% | 1.02% |
| Return on Equity (ROE) | -2.78% | 12.20% |
| Net Interest Margin (NIM) | 2.18% | 3.53% |
| Yield on Earning Assets | 3.81% | 4.93% |
| Cost of Funds | 1.81% | 1.48% |
Asset quality
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| Texas Ratio | 2.96% | 5.24% |
| Non-Performing Loan Ratio | 0.63% | 0.64% |
| Non-Performing Asset Ratio | 0.36% | 0.39% |
| Net Charge-Off Ratio | 0.00% | 0.27% |
| ACL / Loans | 1.02% | 1.01% |
Balance sheet
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| Total Assets | $408,153K | $410,246K |
| Total Deposits | $359,933K | $364,383K |
| Total Loans | $232,389K | $248,263K |
| Total Equity | $47,456K | $34,031K |
| Net Income (quarter) | $-332 | $1,045K |
Liquidity & funding
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 64.56% | 68.13% |
| Core Deposit Ratio | 90.37% | 96.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Savings Bank | Alliance Community Bank |
|---|---|---|
| Headquarters City | CHICAGO | PETERSBURG |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 57 | 69 |
| Established | Jan. 1, 1925, midnight | May 18, 1910, 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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