Bank Comparison
Community State Bank vs Carrollton Federal Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 9
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| CET1 Ratio | 37.47% | — |
| Tier 1 Capital Ratio | 37.47% | — |
| Total Capital Ratio | 37.67% | — |
| Tier 1 Leverage Ratio | 19.74% | 15.98% |
| Equity / Assets | 17.80% | 14.29% |
Profitability
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| Return on Assets (ROA) | 0.27% | 0.67% |
| Return on Equity (ROE) | 1.52% | 4.52% |
| Net Interest Margin (NIM) | 2.63% | 3.96% |
| Yield on Earning Assets | 3.71% | 5.29% |
| Cost of Funds | 1.26% | 1.39% |
Asset quality
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.33% | 0.71% |
Balance sheet
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| Total Assets | $42,768K | $42,592K |
| Total Deposits | $35,093K | $36,239K |
| Total Loans | $13,835K | $26,722K |
| Total Equity | $7,613K | $6,085K |
| Net Income (quarter) | $29 | $69 |
Liquidity & funding
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 39.42% | 73.74% |
| Core Deposit Ratio | 96.94% | 93.10% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community State Bank | Carrollton Federal Bank |
|---|---|---|
| Headquarters City | PATON | CARROLLTON |
| Headquarters State | IA | KY |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 704069 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 10 |
| Established | Feb. 15, 1956, midnight | Jan. 1, 1890, 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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