Bank Comparison
First National Bank in Olney vs Blc Community Bank
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 Olney | Blc Community Bank |
|---|---|---|
| CET1 Ratio | — | 11.80% |
| Tier 1 Capital Ratio | — | 11.80% |
| Total Capital Ratio | — | 12.82% |
| Tier 1 Leverage Ratio | 10.83% | 9.96% |
| Equity / Assets | 9.99% | 8.96% |
Profitability
| Metric | First National Bank in Olney | Blc Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.65% |
| Return on Equity (ROE) | 13.46% | 18.56% |
| Net Interest Margin (NIM) | 3.18% | 3.13% |
| Yield on Earning Assets | 4.80% | 5.51% |
| Cost of Funds | 1.78% | 2.55% |
Asset quality
| Metric | First National Bank in Olney | Blc Community Bank |
|---|---|---|
| Texas Ratio | 11.87% | 3.20% |
| Non-Performing Loan Ratio | 2.33% | 0.36% |
| Non-Performing Asset Ratio | 1.14% | 0.31% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.23% | 0.98% |
Balance sheet
| Metric | First National Bank in Olney | Blc Community Bank |
|---|---|---|
| Total Assets | $475,547K | $475,359K |
| Total Deposits | $421,609K | $387,184K |
| Total Loans | $232,797K | $392,313K |
| Total Equity | $47,508K | $42,608K |
| Net Income (quarter) | $1,603K | $1,954K |
Liquidity & funding
| Metric | First National Bank in Olney | Blc Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 55.22% | 101.32% |
| Core Deposit Ratio | 87.48% | 90.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Olney | Blc Community Bank |
|---|---|---|
| Headquarters City | OLNEY | LITTLE CHUTE |
| Headquarters State | IL | WI |
| Asset Tier | Small | Small |
| Charter Class | 14217 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 71 | 33 |
| Established | July 9, 1934, midnight | Dec. 6, 1906, 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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