Bank Comparison
First National Bank of Clarksdale vs Infinity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| CET1 Ratio | — | 16.67% |
| Tier 1 Capital Ratio | — | 16.67% |
| Total Capital Ratio | — | 19.42% |
| Tier 1 Leverage Ratio | 12.35% | 12.67% |
| Equity / Assets | 10.03% | 10.96% |
Profitability
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.49% |
| Return on Equity (ROE) | 8.81% | 12.34% |
| Net Interest Margin (NIM) | 3.28% | 5.55% |
| Yield on Earning Assets | 5.16% | 6.67% |
| Cost of Funds | 2.00% | 1.18% |
Asset quality
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| Texas Ratio | 3.80% | 5.21% |
| Non-Performing Loan Ratio | 0.65% | 1.09% |
| Non-Performing Asset Ratio | 0.41% | 0.62% |
| Net Charge-Off Ratio | 0.02% | 0.36% |
| ACL / Loans | 1.06% | 1.63% |
Balance sheet
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| Total Assets | $392,809K | $392,898K |
| Total Deposits | $350,036K | $343,655K |
| Total Loans | $244,145K | $223,710K |
| Total Equity | $39,393K | $43,066K |
| Net Income (quarter) | $867 | $1,314K |
Liquidity & funding
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.75% | 65.10% |
| Core Deposit Ratio | 87.39% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Clarksdale | Infinity Bank |
|---|---|---|
| Headquarters City | CLARKSDALE | SANTA ANA |
| Headquarters State | MS | CA |
| Asset Tier | Small | Small |
| Charter Class | 15284 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 48 | 36 |
| Established | April 1, 1964, midnight | Feb. 1, 2018, 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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