Bank Comparison
First National Bank of Coleraine, the vs Peoples Bank of Greensboro
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 of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| CET1 Ratio | 18.14% | 17.30% |
| Tier 1 Capital Ratio | 18.14% | 17.30% |
| Total Capital Ratio | 19.03% | 18.36% |
| Tier 1 Leverage Ratio | 7.61% | 8.77% |
| Equity / Assets | 5.70% | 5.03% |
Profitability
| Metric | First National Bank of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| Return on Assets (ROA) | 0.51% | 0.83% |
| Return on Equity (ROE) | 8.57% | 17.37% |
| Net Interest Margin (NIM) | 2.60% | 3.01% |
| Yield on Earning Assets | 4.02% | 4.50% |
| Cost of Funds | 1.43% | 1.53% |
Asset quality
| Metric | First National Bank of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| Texas Ratio | 0.00% | 7.93% |
| Non-Performing Loan Ratio | 0.00% | 1.02% |
| Non-Performing Asset Ratio | 0.00% | 0.44% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 0.95% | 1.28% |
Balance sheet
| Metric | First National Bank of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| Total Assets | $112,687K | $112,895K |
| Total Deposits | $106,016K | $106,893K |
| Total Loans | $42,238K | $49,329K |
| Total Equity | $6,423K | $5,682K |
| Net Income (quarter) | $138 | $241 |
Liquidity & funding
| Metric | First National Bank of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| Loan-to-Deposit Ratio | 39.84% | 46.15% |
| Core Deposit Ratio | 86.60% | 83.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Coleraine, the | Peoples Bank of Greensboro |
|---|---|---|
| Headquarters City | COLERAINE | GREENSBORO |
| Headquarters State | MN | AL |
| Asset Tier | Small | Small |
| Charter Class | 8322 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 14 |
| Established | Jan. 1, 1906, midnight | March 7, 1904, 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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