Bank Comparison
First National Bank of Pulaski vs Quill Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| CET1 Ratio | — | 16.08% |
| Tier 1 Capital Ratio | — | 16.08% |
| Total Capital Ratio | — | 17.36% |
| Tier 1 Leverage Ratio | 10.92% | 13.92% |
| Equity / Assets | 9.68% | 13.25% |
Profitability
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 5.25% |
| Return on Equity (ROE) | 13.96% | 37.13% |
| Net Interest Margin (NIM) | 3.59% | 16.76% |
| Yield on Earning Assets | 5.43% | 19.60% |
| Cost of Funds | 2.03% | 3.11% |
Asset quality
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| Texas Ratio | 3.04% | 17.50% |
| Non-Performing Loan Ratio | 0.32% | 3.66% |
| Non-Performing Asset Ratio | 0.31% | 2.85% |
| Net Charge-Off Ratio | -0.06% | 6.79% |
| ACL / Loans | 1.32% | 4.16% |
Balance sheet
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| Total Assets | $1,507M | $1,504M |
| Total Deposits | $1,344M | $1,282M |
| Total Loans | $1,011M | $1,171M |
| Total Equity | $145,943K | $199,370K |
| Net Income (quarter) | $5,028K | $18,737K |
Liquidity & funding
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.25% | 91.35% |
| Core Deposit Ratio | 88.24% | 70.92% |
| Uninsured Deposit Ratio | 29.93% | 25.23% |
Identity
| Metric | First National Bank of Pulaski | Quill Bank |
|---|---|---|
| Headquarters City | PULASKI | PROVO |
| Headquarters State | TN | UT |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 14619 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 14 | 7 |
| Employees (FTE) | 185 | 248 |
| Established | Jan. 12, 1938, midnight | July 29, 1993, 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 March 31, 2026. 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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