Bank Comparison
Custer Federal State Bank vs First Central Bank Mccook
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| CET1 Ratio | — | 13.94% |
| Tier 1 Capital Ratio | — | 13.94% |
| Total Capital Ratio | — | 15.20% |
| Tier 1 Leverage Ratio | 11.78% | 10.97% |
| Equity / Assets | 11.19% | 11.00% |
Profitability
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 0.62% |
| Return on Equity (ROE) | 9.14% | 5.66% |
| Net Interest Margin (NIM) | 3.50% | 3.75% |
| Yield on Earning Assets | 5.47% | 5.99% |
| Cost of Funds | 2.10% | 2.44% |
Asset quality
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| Texas Ratio | 0.00% | 34.29% |
| Non-Performing Loan Ratio | 0.00% | 5.29% |
| Non-Performing Asset Ratio | 0.00% | 3.67% |
| Net Charge-Off Ratio | -0.01% | -0.08% |
| ACL / Loans | 0.94% | 1.90% |
Balance sheet
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| Total Assets | $124,900K | $124,913K |
| Total Deposits | $99,081K | $106,620K |
| Total Loans | $78,628K | $86,654K |
| Total Equity | $13,973K | $13,740K |
| Net Income (quarter) | $319 | $193 |
Liquidity & funding
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| Loan-to-Deposit Ratio | 79.36% | 81.27% |
| Core Deposit Ratio | 93.90% | 88.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Custer Federal State Bank | First Central Bank Mccook |
|---|---|---|
| Headquarters City | BROKEN BOW | MCCOOK |
| Headquarters State | NE | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 17 | 20 |
| Established | Jan. 1, 1925, midnight | Jan. 4, 1999, 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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