Bank Comparison
First Central National Bank of Saint Paris, the vs West Plains Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| CET1 Ratio | 28.62% | — |
| Tier 1 Capital Ratio | 28.62% | — |
| Total Capital Ratio | 29.40% | — |
| Tier 1 Leverage Ratio | 18.96% | 20.97% |
| Equity / Assets | 18.88% | 21.06% |
Profitability
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 0.60% |
| Return on Equity (ROE) | 3.69% | 2.87% |
| Net Interest Margin (NIM) | 3.71% | 2.99% |
| Yield on Earning Assets | 4.82% | 5.20% |
| Cost of Funds | 1.25% | 2.69% |
Asset quality
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.06% | 17.06% |
| Non-Performing Loan Ratio | 0.02% | 3.48% |
| Non-Performing Asset Ratio | 0.01% | 2.60% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 0.84% | 1.28% |
Balance sheet
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| Total Assets | $98,989K | $98,911K |
| Total Deposits | $79,016K | $75,851K |
| Total Loans | $58,061K | $73,796K |
| Total Equity | $18,692K | $20,829K |
| Net Income (quarter) | $172 | $149 |
Liquidity & funding
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 73.48% | 97.29% |
| Core Deposit Ratio | 94.67% | 84.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Central National Bank of Saint Paris, the | West Plains Savings and Loan Association |
|---|---|---|
| Headquarters City | SAINT PARIS | WEST PLAINS |
| Headquarters State | OH | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 2488 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 22 | 16 |
| Established | Aug. 8, 1880, midnight | Jan. 1, 1919, 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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