Bank Comparison
First Central Bank vs Bank of Hazlehurst
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| CET1 Ratio | 13.77% | 30.91% |
| Tier 1 Capital Ratio | 13.77% | 30.91% |
| Total Capital Ratio | 15.00% | 32.18% |
| Tier 1 Leverage Ratio | 11.35% | 13.37% |
| Equity / Assets | 11.52% | 11.00% |
Profitability
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 2.06% |
| Return on Equity (ROE) | 11.36% | 18.65% |
| Net Interest Margin (NIM) | 4.33% | 4.66% |
| Yield on Earning Assets | 6.35% | 4.98% |
| Cost of Funds | 2.16% | 0.36% |
Asset quality
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| Texas Ratio | 23.51% | 2.63% |
| Non-Performing Loan Ratio | 3.76% | 0.72% |
| Non-Performing Asset Ratio | 2.94% | 0.28% |
| Net Charge-Off Ratio | -0.25% | 0.13% |
| ACL / Loans | 1.37% | 3.84% |
Balance sheet
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| Total Assets | $137,631K | $137,460K |
| Total Deposits | $115,951K | $121,985K |
| Total Loans | $100,537K | $54,541K |
| Total Equity | $15,860K | $15,118K |
| Net Income (quarter) | $449 | $734 |
Liquidity & funding
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| Loan-to-Deposit Ratio | 86.71% | 44.71% |
| Core Deposit Ratio | 89.78% | 99.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Central Bank | Bank of Hazlehurst |
|---|---|---|
| Headquarters City | CAMBRIDGE | HAZLEHURST |
| Headquarters State | NE | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 24 | 28 |
| Established | June 15, 1907, midnight | Jan. 1, 1906, 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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