Bank Comparison
First Community Bank vs Community National Bank of Okarche
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| CET1 Ratio | 12.55% | — |
| Tier 1 Capital Ratio | 12.55% | — |
| Total Capital Ratio | 13.74% | — |
| Tier 1 Leverage Ratio | 9.24% | 17.28% |
| Equity / Assets | 11.53% | 17.19% |
Profitability
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| Return on Assets (ROA) | 1.40% | -1.06% |
| Return on Equity (ROE) | 12.00% | -6.35% |
| Net Interest Margin (NIM) | 3.84% | 2.64% |
| Yield on Earning Assets | 5.16% | 4.38% |
| Cost of Funds | 1.39% | 2.09% |
Asset quality
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| Texas Ratio | 8.97% | 0.00% |
| Non-Performing Loan Ratio | 1.33% | 0.00% |
| Non-Performing Asset Ratio | 0.83% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.34% | 1.31% |
Balance sheet
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| Total Assets | $121,004K | $121,004K |
| Total Deposits | $103,187K | $99,911K |
| Total Loans | $75,718K | $43,236K |
| Total Equity | $13,953K | $20,797K |
| Net Income (quarter) | $418 | $-333 |
Liquidity & funding
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| Loan-to-Deposit Ratio | 73.38% | 43.27% |
| Core Deposit Ratio | 90.00% | 65.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Community Bank | Community National Bank of Okarche |
|---|---|---|
| Headquarters City | NEWELL | Okarche |
| Headquarters State | IA | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 18233 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 25 | 16 |
| Established | Jan. 1, 1912, midnight | May 18, 1984, 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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