Bank Comparison
First National Bank of Raymond, the vs State Bank of Bement
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.94% | 9.91% |
| Equity / Assets | 7.56% | 9.86% |
Profitability
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 0.71% |
| Return on Equity (ROE) | 18.78% | 7.38% |
| Net Interest Margin (NIM) | 3.66% | 3.86% |
| Yield on Earning Assets | 4.55% | 5.22% |
| Cost of Funds | 0.98% | 1.43% |
Asset quality
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| Texas Ratio | 2.71% | 1.41% |
| Non-Performing Loan Ratio | 0.44% | 0.17% |
| Non-Performing Asset Ratio | 0.22% | 0.10% |
| Net Charge-Off Ratio | 0.00% | 0.12% |
| ACL / Loans | 1.10% | 0.96% |
Balance sheet
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| Total Assets | $184,679K | $185,141K |
| Total Deposits | $169,920K | $165,833K |
| Total Loans | $92,545K | $110,265K |
| Total Equity | $13,957K | $18,255K |
| Net Income (quarter) | $645 | $335 |
Liquidity & funding
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| Loan-to-Deposit Ratio | 54.46% | 66.49% |
| Core Deposit Ratio | 93.26% | 85.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Raymond, the | State Bank of Bement |
|---|---|---|
| Headquarters City | RAYMOND | BEMENT |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 6910 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 33 | 30 |
| Established | Oct. 1, 1903, midnight | Jan. 17, 1914, 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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