Bank Comparison
First National Bank in Pinckneyville vs Chillicothe State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| CET1 Ratio | 21.82% | 19.87% |
| Tier 1 Capital Ratio | 21.82% | 19.87% |
| Total Capital Ratio | 22.67% | 21.13% |
| Tier 1 Leverage Ratio | 11.53% | 8.69% |
| Equity / Assets | 8.09% | 8.05% |
Profitability
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.25% |
| Return on Equity (ROE) | 16.20% | 15.60% |
| Net Interest Margin (NIM) | 4.15% | 3.89% |
| Yield on Earning Assets | 4.97% | 4.68% |
| Cost of Funds | 0.87% | 0.85% |
Asset quality
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| Texas Ratio | 11.08% | 4.99% |
| Non-Performing Loan Ratio | 1.62% | 0.84% |
| Non-Performing Asset Ratio | 0.77% | 0.44% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.94% | 1.60% |
Balance sheet
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| Total Assets | $139,251K | $139,134K |
| Total Deposits | $125,398K | $127,007K |
| Total Loans | $66,002K | $73,112K |
| Total Equity | $11,269K | $11,197K |
| Net Income (quarter) | $444 | $434 |
Liquidity & funding
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.63% | 57.57% |
| Core Deposit Ratio | 83.63% | 99.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Pinckneyville | Chillicothe State Bank |
|---|---|---|
| Headquarters City | PINCKNEYVILLE | CHILLICOTHE |
| Headquarters State | IL | MO |
| Asset Tier | Small | Small |
| Charter Class | 13975 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 23 | 24 |
| Established | Jan. 1, 1901, midnight | Oct. 19, 1937, 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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