Bank Comparison
First Federal Savings and Loan Association of Mcminnville vs Constitution Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| CET1 Ratio | 21.12% | — |
| Tier 1 Capital Ratio | 21.12% | — |
| Total Capital Ratio | 22.28% | — |
| Tier 1 Leverage Ratio | 11.89% | 10.09% |
| Equity / Assets | 10.79% | 8.81% |
Profitability
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.44% | 1.19% |
| Return on Equity (ROE) | 4.04% | 13.65% |
| Net Interest Margin (NIM) | 2.92% | 3.56% |
| Yield on Earning Assets | 4.27% | 5.20% |
| Cost of Funds | 1.46% | 1.77% |
Asset quality
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 3.62% |
| Non-Performing Loan Ratio | 0.00% | 0.50% |
| Non-Performing Asset Ratio | 0.00% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.03% | 1.26% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| Total Assets | $678,962K | $678,934K |
| Total Deposits | $579,831K | $615,810K |
| Total Loans | $410,669K | $476,322K |
| Total Equity | $73,242K | $59,837K |
| Net Income (quarter) | $740 | $2,025K |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 70.83% | 77.35% |
| Core Deposit Ratio | 88.68% | 90.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Mcminnville | Constitution Bank, N.A. |
|---|---|---|
| Headquarters City | MCMINNVILLE | HILLSBORO |
| Headquarters State | OR | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 703773 | 14509 |
| Regulator | OCC | OCC |
| Domestic Branches | 6 | 12 |
| Employees (FTE) | 81 | 112 |
| Established | Jan. 1, 1922, midnight | Jan. 1, 1869, 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.
View full First Federal Savings and Loan Association of Mcminnville profile | View full Constitution Bank, N.A. profile | Browse all bank comparisons