Bank Comparison
First National Bank vs CedarStone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
20 · 3
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| CET1 Ratio | 18.60% | 10.72% |
| Tier 1 Capital Ratio | 18.60% | 10.72% |
| Total Capital Ratio | 19.87% | 11.26% |
| Tier 1 Leverage Ratio | 10.79% | 8.99% |
| Equity / Assets | 9.12% | 8.45% |
Profitability
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| Return on Assets (ROA) | 1.87% | 1.38% |
| Return on Equity (ROE) | 20.55% | 16.55% |
| Net Interest Margin (NIM) | 4.39% | 3.09% |
| Yield on Earning Assets | 6.13% | 5.72% |
| Cost of Funds | 1.90% | 2.74% |
Asset quality
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| Texas Ratio | 1.03% | 4.40% |
| Non-Performing Loan Ratio | 0.18% | 0.50% |
| Non-Performing Asset Ratio | 0.11% | 0.39% |
| Net Charge-Off Ratio | -0.01% | 0.09% |
| ACL / Loans | 2.69% | 0.52% |
Balance sheet
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| Total Assets | $367,909K | $369,248K |
| Total Deposits | $329,938K | $311,239K |
| Total Loans | $226,471K | $290,453K |
| Total Equity | $33,565K | $31,212K |
| Net Income (quarter) | $1,733K | $1,258K |
Liquidity & funding
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.64% | 93.32% |
| Core Deposit Ratio | 82.21% | 90.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank | CedarStone Bank |
|---|---|---|
| Headquarters City | ONEIDA | Lebanon |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 8039 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 52 | 34 |
| Established | Jan. 1, 1904, midnight | April 19, 2004, 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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