Bank Comparison
First National Bank in Frankfort vs State Bank of Scotia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| CET1 Ratio | — | 33.60% |
| Tier 1 Capital Ratio | — | 33.60% |
| Total Capital Ratio | — | 34.86% |
| Tier 1 Leverage Ratio | 10.57% | 20.57% |
| Equity / Assets | 5.98% | 19.89% |
Profitability
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 0.57% |
| Return on Equity (ROE) | 12.94% | 2.78% |
| Net Interest Margin (NIM) | 3.34% | 2.58% |
| Yield on Earning Assets | 4.80% | 4.65% |
| Cost of Funds | 1.57% | 2.57% |
Asset quality
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| Texas Ratio | 4.30% | 12.50% |
| Non-Performing Loan Ratio | 0.58% | 5.23% |
| Non-Performing Asset Ratio | 0.29% | 2.36% |
| Net Charge-Off Ratio | -0.03% | 0.13% |
| ACL / Loans | 1.48% | 2.65% |
Balance sheet
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| Total Assets | $61,698K | $61,629K |
| Total Deposits | $57,608K | $49,125K |
| Total Loans | $30,437K | $27,808K |
| Total Equity | $3,690K | $12,260K |
| Net Income (quarter) | $122 | $85 |
Liquidity & funding
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| Loan-to-Deposit Ratio | 52.83% | 56.61% |
| Core Deposit Ratio | 91.62% | 95.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Frankfort | State Bank of Scotia |
|---|---|---|
| Headquarters City | FRANKFORT | SCOTIA |
| Headquarters State | KS | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 11916 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 8 | 6 |
| Established | March 2, 1921, midnight | Jan. 1, 1934, 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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