Bank Comparison
First Mutual Bank, FSB vs Community Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| CET1 Ratio | 18.50% | — |
| Tier 1 Capital Ratio | 18.50% | — |
| Total Capital Ratio | 19.47% | — |
| Tier 1 Leverage Ratio | 9.51% | 14.56% |
| Equity / Assets | 9.65% | 14.29% |
Profitability
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.19% | 0.32% |
| Return on Equity (ROE) | 2.02% | 2.20% |
| Net Interest Margin (NIM) | 2.63% | 3.52% |
| Yield on Earning Assets | 3.83% | 5.82% |
| Cost of Funds | 1.25% | 2.58% |
Asset quality
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| Texas Ratio | 8.53% | 0.58% |
| Non-Performing Loan Ratio | 0.91% | 0.10% |
| Non-Performing Asset Ratio | 0.56% | 0.09% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 0.76% | 0.47% |
Balance sheet
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| Total Assets | $110,411K | $111,074K |
| Total Deposits | $91,333K | $83,503K |
| Total Loans | $68,185K | $92,013K |
| Total Equity | $10,659K | $15,870K |
| Net Income (quarter) | $54 | $87 |
Liquidity & funding
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.66% | 110.19% |
| Core Deposit Ratio | 95.75% | 91.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Mutual Bank, FSB | Community Savings Bank |
|---|---|---|
| Headquarters City | BELPRE | BETHEL |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 703764 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 20 | 17 |
| Established | Jan. 1, 1906, midnight | April 6, 1889, 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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