Bank Comparison
First National Bank of Arenzville, the vs Moultrie Bank & Trust
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 of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| CET1 Ratio | 10.43% | — |
| Tier 1 Capital Ratio | 10.43% | — |
| Total Capital Ratio | 11.30% | — |
| Tier 1 Leverage Ratio | 8.56% | 13.36% |
| Equity / Assets | 8.01% | 13.54% |
Profitability
| Metric | First National Bank of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.75% | 1.40% |
| Return on Equity (ROE) | 21.30% | 10.55% |
| Net Interest Margin (NIM) | 3.94% | 3.74% |
| Yield on Earning Assets | 5.41% | 5.16% |
| Cost of Funds | 1.58% | 1.48% |
Asset quality
| Metric | First National Bank of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| Texas Ratio | 0.41% | 0.14% |
| Non-Performing Loan Ratio | 0.05% | 0.05% |
| Non-Performing Asset Ratio | 0.04% | 0.02% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.01% | 1.17% |
Balance sheet
| Metric | First National Bank of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| Total Assets | $157,639K | $157,564K |
| Total Deposits | $143,368K | $135,979K |
| Total Loans | $110,735K | $59,524K |
| Total Equity | $12,625K | $21,330K |
| Net Income (quarter) | $683 | $560 |
Liquidity & funding
| Metric | First National Bank of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 77.24% | 43.77% |
| Core Deposit Ratio | 83.13% | 82.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Arenzville, the | Moultrie Bank & Trust |
|---|---|---|
| Headquarters City | ARENZVILLE | MOULTRIE |
| Headquarters State | IL | GA |
| Asset Tier | Small | Small |
| Charter Class | 9183 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 24 | 16 |
| Established | Jan. 1, 1882, midnight | May 9, 2022, 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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