Bank Comparison
Eastbank, N.A. vs Commercial Bank of Mott
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 7
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| CET1 Ratio | 31.23% | — |
| Tier 1 Capital Ratio | 31.23% | — |
| Total Capital Ratio | 32.49% | — |
| Tier 1 Leverage Ratio | 24.27% | 12.43% |
| Equity / Assets | 23.97% | 11.72% |
Profitability
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| Return on Assets (ROA) | 0.36% | 1.69% |
| Return on Equity (ROE) | 1.51% | 13.92% |
| Net Interest Margin (NIM) | 3.74% | 3.01% |
| Yield on Earning Assets | 5.97% | 5.08% |
| Cost of Funds | 2.83% | 2.30% |
Asset quality
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| 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 | 2.71% | 0.93% |
Balance sheet
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| Total Assets | $145,758K | $145,733K |
| Total Deposits | $104,731K | $121,953K |
| Total Loans | $95,462K | $100,718K |
| Total Equity | $34,937K | $17,076K |
| Net Income (quarter) | $132 | $607 |
Liquidity & funding
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| Loan-to-Deposit Ratio | 91.15% | 82.59% |
| Core Deposit Ratio | 90.46% | 81.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Eastbank, N.A. | Commercial Bank of Mott |
|---|---|---|
| Headquarters City | NEW YORK | MOTT |
| Headquarters State | NY | ND |
| Asset Tier | Small | Small |
| Charter Class | 18431 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 22 | 8 |
| Established | Nov. 26, 1984, midnight | June 12, 1940, 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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