Bank Comparison
First Federal Savings & Loan Association of Valdosta vs Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| CET1 Ratio | — | 10.94% |
| Tier 1 Capital Ratio | — | 10.94% |
| Total Capital Ratio | — | 12.03% |
| Tier 1 Leverage Ratio | 12.17% | 7.95% |
| Equity / Assets | 11.99% | 5.48% |
Profitability
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.38% |
| Return on Equity (ROE) | 7.03% | 7.15% |
| Net Interest Margin (NIM) | 4.13% | 3.24% |
| Yield on Earning Assets | 6.43% | 4.82% |
| Cost of Funds | 2.49% | 1.69% |
Asset quality
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| Texas Ratio | 13.44% | 13.60% |
| Non-Performing Loan Ratio | 1.91% | 1.24% |
| Non-Performing Asset Ratio | 1.66% | 0.85% |
| Net Charge-Off Ratio | 0.06% | 0.25% |
| ACL / Loans | 0.41% | 1.16% |
Balance sheet
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| Total Assets | $277,565K | $277,476K |
| Total Deposits | $207,255K | $243,578K |
| Total Loans | $240,928K | $190,510K |
| Total Equity | $33,284K | $15,209K |
| Net Income (quarter) | $580 | $271 |
Liquidity & funding
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 116.25% | 78.21% |
| Core Deposit Ratio | 88.13% | 90.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings & Loan Association of Valdosta | Commercial Bank |
|---|---|---|
| Headquarters City | VALDOSTA | SAINT LOUIS |
| Headquarters State | GA | MO |
| Asset Tier | Small | Small |
| Charter Class | 703019 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 42 | 37 |
| Established | Sept. 1, 1934, midnight | Dec. 21, 1988, 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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