Bank Comparison
First National Bank in Pinckneyville vs State Bank of Missouri
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| CET1 Ratio | 21.82% | 16.97% |
| Tier 1 Capital Ratio | 21.82% | 16.97% |
| Total Capital Ratio | 22.67% | 18.22% |
| Tier 1 Leverage Ratio | 11.53% | 8.85% |
| Equity / Assets | 8.09% | 7.76% |
Profitability
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.35% |
| Return on Equity (ROE) | 16.20% | 17.09% |
| Net Interest Margin (NIM) | 4.15% | 3.71% |
| Yield on Earning Assets | 4.97% | 5.05% |
| Cost of Funds | 0.87% | 1.42% |
Asset quality
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| Texas Ratio | 11.08% | 11.89% |
| Non-Performing Loan Ratio | 1.62% | 1.70% |
| Non-Performing Asset Ratio | 0.77% | 1.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.94% | 1.12% |
Balance sheet
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| Total Assets | $139,251K | $139,381K |
| Total Deposits | $125,398K | $127,587K |
| Total Loans | $66,002K | $81,874K |
| Total Equity | $11,269K | $10,813K |
| Net Income (quarter) | $444 | $467 |
Liquidity & funding
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| Loan-to-Deposit Ratio | 52.63% | 64.17% |
| Core Deposit Ratio | 83.63% | 97.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Pinckneyville | State Bank of Missouri |
|---|---|---|
| Headquarters City | PINCKNEYVILLE | CONCORDIA |
| Headquarters State | IL | MO |
| Asset Tier | Small | Small |
| Charter Class | 13975 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 23 | 22 |
| Established | Jan. 1, 1901, midnight | July 28, 1884, 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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