Bank Comparison
First Federal Savings and Loan Association of Delta vs Community Bank of Marshall
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| CET1 Ratio | 42.57% | — |
| Tier 1 Capital Ratio | 42.57% | — |
| Total Capital Ratio | 43.29% | — |
| Tier 1 Leverage Ratio | 16.54% | 9.95% |
| Equity / Assets | 15.52% | 8.44% |
Profitability
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| Return on Assets (ROA) | 1.08% | 1.23% |
| Return on Equity (ROE) | 6.94% | 14.15% |
| Net Interest Margin (NIM) | 3.65% | 3.26% |
| Yield on Earning Assets | 4.31% | 5.00% |
| Cost of Funds | 0.75% | 1.87% |
Asset quality
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| Texas Ratio | 0.00% | 0.22% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.16% |
| ACL / Loans | 0.62% | 1.36% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| Total Assets | $247,265K | $247,116K |
| Total Deposits | $207,937K | $224,183K |
| Total Loans | $112,279K | $109,716K |
| Total Equity | $38,365K | $20,852K |
| Net Income (quarter) | $663 | $746 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| Loan-to-Deposit Ratio | 54.00% | 48.94% |
| Core Deposit Ratio | 98.41% | 92.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Delta | Community Bank of Marshall |
|---|---|---|
| Headquarters City | DELTA | MARSHALL |
| Headquarters State | OH | MO |
| Asset Tier | Small | Small |
| Charter Class | 703313 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 7 |
| Employees (FTE) | 39 | 37 |
| Established | Jan. 1, 1934, midnight | May 1, 1978, 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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