Bank Comparison
First National Bank of Carmi, the vs Apple River State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| CET1 Ratio | 15.74% | 14.59% |
| Tier 1 Capital Ratio | 15.74% | 14.59% |
| Total Capital Ratio | 17.00% | 15.49% |
| Tier 1 Leverage Ratio | 11.29% | 9.62% |
| Equity / Assets | 11.65% | 8.16% |
Profitability
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.15% | 1.49% |
| Return on Equity (ROE) | 9.61% | 19.04% |
| Net Interest Margin (NIM) | 4.21% | 3.20% |
| Yield on Earning Assets | 5.66% | 5.09% |
| Cost of Funds | 1.58% | 2.02% |
Asset quality
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| Texas Ratio | 6.85% | 1.60% |
| Non-Performing Loan Ratio | 1.13% | 0.23% |
| Non-Performing Asset Ratio | 0.75% | 0.14% |
| Net Charge-Off Ratio | -0.06% | 0.02% |
| ACL / Loans | 1.35% | 0.99% |
Balance sheet
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| Total Assets | $632,355K | $630,236K |
| Total Deposits | $555,935K | $505,195K |
| Total Loans | $415,219K | $393,045K |
| Total Equity | $73,661K | $51,413K |
| Net Income (quarter) | $1,763K | $2,414K |
Liquidity & funding
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.69% | 77.80% |
| Core Deposit Ratio | 98.01% | 86.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Carmi, the | Apple River State Bank |
|---|---|---|
| Headquarters City | CARMI | APPLE RIVER |
| Headquarters State | IL | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 4934 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 8 |
| Employees (FTE) | 103 | 63 |
| Established | Dec. 20, 1893, midnight | Jan. 5, 1948, 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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