Bank Comparison
First State Bank, the vs First Community Bank of Cullman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| CET1 Ratio | 22.05% | — |
| Tier 1 Capital Ratio | 22.05% | — |
| Total Capital Ratio | 23.31% | — |
| Tier 1 Leverage Ratio | 14.91% | 13.52% |
| Equity / Assets | 10.65% | 14.09% |
Profitability
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| Return on Assets (ROA) | 1.33% | -0.61% |
| Return on Equity (ROE) | 12.91% | -4.48% |
| Net Interest Margin (NIM) | 2.88% | 3.99% |
| Yield on Earning Assets | 4.24% | 5.94% |
| Cost of Funds | 1.58% | 2.10% |
Asset quality
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| Texas Ratio | 2.37% | 0.00% |
| Non-Performing Loan Ratio | 0.70% | 0.00% |
| Non-Performing Asset Ratio | 0.28% | 0.00% |
| Net Charge-Off Ratio | 0.05% | 0.04% |
| ACL / Loans | 2.63% | 1.14% |
Balance sheet
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| Total Assets | $85,820K | $85,517K |
| Total Deposits | $76,177K | $67,040K |
| Total Loans | $33,885K | $72,204K |
| Total Equity | $9,141K | $12,052K |
| Net Income (quarter) | $301 | $-136 |
Liquidity & funding
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| Loan-to-Deposit Ratio | 44.48% | 107.70% |
| Core Deposit Ratio | 82.18% | 88.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | First Community Bank of Cullman |
|---|---|---|
| Headquarters City | NESS CITY | CULLMAN |
| Headquarters State | KS | AL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 11 | 14 |
| Established | Jan. 1, 1916, midnight | Jan. 1, 1905, 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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