Bank Comparison
First National Bank vs Community First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| CET1 Ratio | 18.60% | 12.38% |
| Tier 1 Capital Ratio | 18.60% | 12.38% |
| Total Capital Ratio | 19.87% | 13.63% |
| Tier 1 Leverage Ratio | 10.79% | 10.64% |
| Equity / Assets | 9.12% | 10.58% |
Profitability
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.87% | 1.69% |
| Return on Equity (ROE) | 20.55% | 15.70% |
| Net Interest Margin (NIM) | 4.39% | 4.19% |
| Yield on Earning Assets | 6.13% | 5.95% |
| Cost of Funds | 1.90% | 1.96% |
Asset quality
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| Texas Ratio | 1.03% | 10.86% |
| Non-Performing Loan Ratio | 0.18% | 0.07% |
| Non-Performing Asset Ratio | 0.11% | 1.25% |
| Net Charge-Off Ratio | -0.01% | -0.02% |
| ACL / Loans | 2.69% | 1.66% |
Balance sheet
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| Total Assets | $367,909K | $366,993K |
| Total Deposits | $329,938K | $320,851K |
| Total Loans | $226,471K | $295,601K |
| Total Equity | $33,565K | $38,812K |
| Net Income (quarter) | $1,733K | $1,546K |
Liquidity & funding
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.64% | 92.13% |
| Core Deposit Ratio | 82.21% | 92.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank | Community First National Bank |
|---|---|---|
| Headquarters City | ONEIDA | MANHATTAN |
| Headquarters State | TN | KS |
| Asset Tier | Small | Small |
| Charter Class | 8039 | 24080 |
| Regulator | OCC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 52 | 70 |
| Established | Jan. 1, 1904, midnight | Feb. 1, 2001, 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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