Bank Comparison
First National Bank of Clarksdale vs Mint National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.35% | 17.65% |
| Equity / Assets | 10.03% | 17.83% |
Profitability
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.32% |
| Return on Equity (ROE) | 8.81% | 7.54% |
| Net Interest Margin (NIM) | 3.28% | 4.84% |
| Yield on Earning Assets | 5.16% | 7.36% |
| Cost of Funds | 2.00% | 3.13% |
Asset quality
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| Texas Ratio | 3.80% | 17.87% |
| Non-Performing Loan Ratio | 0.65% | 3.34% |
| Non-Performing Asset Ratio | 0.41% | 3.56% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.06% | 2.58% |
Balance sheet
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| Total Assets | $392,809K | $392,831K |
| Total Deposits | $350,036K | $311,994K |
| Total Loans | $244,145K | $315,443K |
| Total Equity | $39,393K | $70,031K |
| Net Income (quarter) | $867 | $1,307K |
Liquidity & funding
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 69.75% | 101.11% |
| Core Deposit Ratio | 87.39% | 74.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Clarksdale | Mint National Bank, the |
|---|---|---|
| Headquarters City | CLARKSDALE | KINGWOOD |
| Headquarters State | MS | TX |
| Asset Tier | Small | Small |
| Charter Class | 15284 | 24827 |
| Regulator | OCC | OCC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 48 | 42 |
| Established | April 1, 1964, midnight | Jan. 5, 2009, 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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