Bank Comparison
First Missouri State Bank vs Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 4
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| CET1 Ratio | 12.12% | 10.94% |
| Tier 1 Capital Ratio | 12.12% | 10.94% |
| Total Capital Ratio | 13.38% | 12.03% |
| Tier 1 Leverage Ratio | 8.56% | 7.95% |
| Equity / Assets | 8.50% | 5.48% |
Profitability
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 0.38% |
| Return on Equity (ROE) | 16.17% | 7.15% |
| Net Interest Margin (NIM) | 3.90% | 3.24% |
| Yield on Earning Assets | 6.61% | 4.82% |
| Cost of Funds | 2.81% | 1.69% |
Asset quality
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| Texas Ratio | 0.25% | 13.60% |
| Non-Performing Loan Ratio | 0.03% | 1.24% |
| Non-Performing Asset Ratio | 0.02% | 0.85% |
| Net Charge-Off Ratio | -0.01% | 0.25% |
| ACL / Loans | 1.55% | 1.16% |
Balance sheet
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| Total Assets | $278,469K | $277,476K |
| Total Deposits | $245,259K | $243,578K |
| Total Loans | $219,696K | $190,510K |
| Total Equity | $23,659K | $15,209K |
| Net Income (quarter) | $956 | $271 |
Liquidity & funding
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.58% | 78.21% |
| Core Deposit Ratio | 85.68% | 90.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Missouri State Bank | Commercial Bank |
|---|---|---|
| Headquarters City | Poplar Bluff | SAINT LOUIS |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 25 | 37 |
| Established | Jan. 1, 1912, 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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