Bank Comparison
First National Bank of Waterloo vs Mainstreet Community Bank of Florida
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| CET1 Ratio | 12.56% | — |
| Tier 1 Capital Ratio | 12.56% | — |
| Total Capital Ratio | 13.81% | — |
| Tier 1 Leverage Ratio | 9.03% | 9.35% |
| Equity / Assets | 9.36% | 8.51% |
Profitability
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 0.89% |
| Return on Equity (ROE) | 9.44% | 10.51% |
| Net Interest Margin (NIM) | 3.27% | 3.64% |
| Yield on Earning Assets | 4.71% | 5.33% |
| Cost of Funds | 1.51% | 1.78% |
Asset quality
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| Texas Ratio | 11.50% | 13.90% |
| Non-Performing Loan Ratio | 1.73% | 1.41% |
| Non-Performing Asset Ratio | 1.00% | 1.31% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 1.56% | 1.27% |
Balance sheet
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| Total Assets | $948,812K | $947,978K |
| Total Deposits | $788,732K | $859,597K |
| Total Loans | $538,023K | $694,616K |
| Total Equity | $88,789K | $80,691K |
| Net Income (quarter) | $2,089K | $2,097K |
Liquidity & funding
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| Loan-to-Deposit Ratio | 68.21% | 80.81% |
| Core Deposit Ratio | 93.64% | 94.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Waterloo | Mainstreet Community Bank of Florida |
|---|---|---|
| Headquarters City | WATERLOO | DELAND |
| Headquarters State | IL | FL |
| Asset Tier | Medium | Medium |
| Charter Class | 10180 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 16 | 9 |
| Employees (FTE) | 161 | 107 |
| Established | June 12, 1912, midnight | Oct. 24, 2003, 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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