Bank Comparison
First National Bank of Dublin vs Clearpoint Federal Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 8
winning metrics across 17 comparable rows
Capital adequacy
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| CET1 Ratio | 16.65% | — |
| Tier 1 Capital Ratio | 16.65% | — |
| Total Capital Ratio | 17.90% | — |
| Tier 1 Leverage Ratio | 12.35% | 18.63% |
| Equity / Assets | 12.47% | 14.05% |
Profitability
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.35% | -0.50% |
| Return on Equity (ROE) | 19.28% | -3.64% |
| Net Interest Margin (NIM) | 5.78% | 2.15% |
| Yield on Earning Assets | 6.50% | 3.11% |
| Cost of Funds | 0.80% | 1.16% |
Asset quality
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| Texas Ratio | 0.66% | 0.00% |
| Non-Performing Loan Ratio | 0.10% | — |
| Non-Performing Asset Ratio | 0.07% | 0.00% |
| Net Charge-Off Ratio | 0.44% | — |
| ACL / Loans | 1.79% | — |
Balance sheet
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| Total Assets | $133,459K | $133,512K |
| Total Deposits | $116,521K | $113,209K |
| Total Loans | $95,677K | $0 |
| Total Equity | $16,645K | $18,765K |
| Net Income (quarter) | $794 | $-177 |
Liquidity & funding
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 82.11% | 0.00% |
| Core Deposit Ratio | 95.99% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Dublin | Clearpoint Federal Bank & Trust |
|---|---|---|
| Headquarters City | DUBLIN | BATESVILLE |
| Headquarters State | TX | IN |
| Asset Tier | Small | Small |
| Charter Class | 20026 | 714961 |
| Regulator | OCC | OCC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 33 | 34 |
| Established | May 7, 1985, midnight | July 29, 1998, 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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