Bank Comparison
First Security Bank, the vs Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| CET1 Ratio | — | 24.26% |
| Tier 1 Capital Ratio | — | 24.26% |
| Total Capital Ratio | — | 25.28% |
| Tier 1 Leverage Ratio | 9.78% | 15.97% |
| Equity / Assets | 9.08% | 14.63% |
Profitability
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.55% |
| Return on Equity (ROE) | 7.97% | 10.66% |
| Net Interest Margin (NIM) | 5.68% | 2.91% |
| Yield on Earning Assets | 8.13% | 5.09% |
| Cost of Funds | 2.38% | 2.55% |
Asset quality
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| Texas Ratio | 9.14% | 6.32% |
| Non-Performing Loan Ratio | 0.17% | 1.34% |
| Non-Performing Asset Ratio | 0.22% | 0.94% |
| Net Charge-Off Ratio | 0.03% | -0.06% |
| ACL / Loans | 1.09% | 0.91% |
Balance sheet
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| Total Assets | $304,336K | $304,070K |
| Total Deposits | $267,405K | $201,108K |
| Total Loans | $264,268K | $212,245K |
| Total Equity | $27,634K | $44,493K |
| Net Income (quarter) | $493 | $1,181K |
Liquidity & funding
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.83% | 105.54% |
| Core Deposit Ratio | 79.16% | 89.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank, the | Community Bank |
|---|---|---|
| Headquarters City | BEAVER | WINSLOW |
| Headquarters State | OK | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 31 | 16 |
| Established | Jan. 16, 1916, midnight | Oct. 15, 1915, 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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