Bank Comparison
First National Bank of Mcconnelsville, the vs Jefferson Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| CET1 Ratio | 20.10% | 18.59% |
| Tier 1 Capital Ratio | 20.10% | 18.59% |
| Total Capital Ratio | 21.35% | 19.87% |
| Tier 1 Leverage Ratio | 8.52% | 17.33% |
| Equity / Assets | 10.86% | 16.86% |
Profitability
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 2.35% |
| Return on Equity (ROE) | 10.28% | 14.22% |
| Net Interest Margin (NIM) | 4.03% | 5.43% |
| Yield on Earning Assets | 4.88% | 7.74% |
| Cost of Funds | 0.89% | 2.74% |
Asset quality
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| Texas Ratio | 4.09% | 1.52% |
| Non-Performing Loan Ratio | 0.51% | 0.42% |
| Non-Performing Asset Ratio | 0.28% | 0.31% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.12% | 5.01% |
Balance sheet
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| Total Assets | $203,236K | $202,502K |
| Total Deposits | $179,683K | $167,368K |
| Total Loans | $110,170K | $149,687K |
| Total Equity | $22,064K | $34,144K |
| Net Income (quarter) | $562 | $1,196K |
Liquidity & funding
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 61.31% | 89.44% |
| Core Deposit Ratio | 97.92% | 71.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Mcconnelsville, the | Jefferson Bank, the |
|---|---|---|
| Headquarters City | MCCONNELSVILLE | GREENVILLE |
| Headquarters State | OH | MS |
| Asset Tier | Small | Small |
| Charter Class | 46 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 50 | 17 |
| Established | July 1, 1863, midnight | Jan. 3, 1901, 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.
View full First National Bank of Mcconnelsville, the profile | View full Jefferson Bank, the profile | Browse all bank comparisons