Bank Comparison
First National Bank of Pana vs Community State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.59% | 9.85% |
| Equity / Assets | 10.20% | 10.02% |
Profitability
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.78% | 1.36% |
| Return on Equity (ROE) | 17.36% | 13.41% |
| Net Interest Margin (NIM) | 3.58% | 4.01% |
| Yield on Earning Assets | 5.46% | 5.98% |
| Cost of Funds | 1.97% | 2.12% |
Asset quality
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| Texas Ratio | 2.63% | 11.60% |
| Non-Performing Loan Ratio | 0.41% | 1.53% |
| Non-Performing Asset Ratio | 0.28% | 1.13% |
| Net Charge-Off Ratio | -0.01% | -0.03% |
| ACL / Loans | 0.99% | 1.44% |
Balance sheet
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| Total Assets | $405,122K | $403,887K |
| Total Deposits | $361,436K | $361,145K |
| Total Loans | $277,146K | $298,079K |
| Total Equity | $41,334K | $40,454K |
| Net Income (quarter) | $1,774K | $1,352K |
Liquidity & funding
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.68% | 82.54% |
| Core Deposit Ratio | 92.24% | 88.70% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Pana | Community State Bank |
|---|---|---|
| Headquarters City | PANA | GALVA |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 13478 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 45 | 59 |
| Established | Jan. 1, 1930, midnight | Nov. 24, 1980, 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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