Bank Comparison
First State Bank Shannon-polo vs Community Neighbor Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| CET1 Ratio | 13.57% | — |
| Tier 1 Capital Ratio | 13.57% | — |
| Total Capital Ratio | 14.50% | — |
| Tier 1 Leverage Ratio | 10.03% | 10.82% |
| Equity / Assets | 8.42% | 10.72% |
Profitability
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| Return on Assets (ROA) | 1.28% | 1.41% |
| Return on Equity (ROE) | 15.88% | 13.40% |
| Net Interest Margin (NIM) | 3.30% | 4.64% |
| Yield on Earning Assets | 4.61% | 6.14% |
| Cost of Funds | 1.41% | 1.57% |
Asset quality
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| Texas Ratio | 26.53% | 4.55% |
| Non-Performing Loan Ratio | 1.30% | 0.99% |
| Non-Performing Asset Ratio | 0.76% | 0.52% |
| Net Charge-Off Ratio | -0.01% | 0.26% |
| ACL / Loans | 1.21% | 1.55% |
Balance sheet
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| Total Assets | $191,974K | $192,306K |
| Total Deposits | $169,380K | $171,250K |
| Total Loans | $111,686K | $98,217K |
| Total Equity | $16,172K | $20,608K |
| Net Income (quarter) | $634 | $681 |
Liquidity & funding
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.94% | 57.35% |
| Core Deposit Ratio | 89.40% | 92.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank Shannon-polo | Community Neighbor Bank |
|---|---|---|
| Headquarters City | SHANNON | CAMDEN |
| Headquarters State | IL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 39 | 34 |
| Established | Jan. 14, 1930, midnight | April 1, 1906, 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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