Bank Comparison
First National Bank in Marlow, the vs Community Bank of Oklahoma
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| CET1 Ratio | 11.35% | — |
| Tier 1 Capital Ratio | 11.35% | — |
| Total Capital Ratio | 12.61% | — |
| Tier 1 Leverage Ratio | 7.97% | 12.46% |
| Equity / Assets | 6.82% | 10.31% |
Profitability
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.85% |
| Return on Equity (ROE) | 18.52% | 16.77% |
| Net Interest Margin (NIM) | 4.60% | 4.86% |
| Yield on Earning Assets | 5.88% | 6.19% |
| Cost of Funds | 1.33% | 1.28% |
Asset quality
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| Texas Ratio | 9.55% | 19.27% |
| Non-Performing Loan Ratio | 1.13% | 3.08% |
| Non-Performing Asset Ratio | 0.79% | 1.67% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 2.10% | 1.05% |
Balance sheet
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| Total Assets | $72,081K | $72,450K |
| Total Deposits | $65,749K | $64,421K |
| Total Loans | $50,716K | $39,301K |
| Total Equity | $4,919K | $7,466K |
| Net Income (quarter) | $223 | $316 |
Liquidity & funding
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| Loan-to-Deposit Ratio | 77.14% | 61.01% |
| Core Deposit Ratio | 93.66% | 92.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Marlow, the | Community Bank of Oklahoma |
|---|---|---|
| Headquarters City | MARLOW | VERDEN |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 20838 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 26 | 17 |
| Established | Jan. 24, 1985, midnight | Aug. 1, 1907, 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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