Bank Comparison
First State Bank, the vs Community Bank of Memphis
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.86% | 12.57% |
| Equity / Assets | 13.48% | 13.49% |
Profitability
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| Return on Assets (ROA) | 2.08% | 1.03% |
| Return on Equity (ROE) | 14.93% | 7.64% |
| Net Interest Margin (NIM) | 4.78% | 3.26% |
| Yield on Earning Assets | 6.70% | 4.54% |
| Cost of Funds | 2.17% | 1.40% |
Asset quality
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| Texas Ratio | 6.19% | 0.00% |
| Non-Performing Loan Ratio | 1.13% | 0.00% |
| Non-Performing Asset Ratio | 0.91% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.64% | 2.99% |
Balance sheet
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| Total Assets | $61,216K | $61,450K |
| Total Deposits | $52,926K | $52,922K |
| Total Loans | $49,375K | $24,902K |
| Total Equity | $8,254K | $8,291K |
| Net Income (quarter) | $310 | $160 |
Liquidity & funding
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| Loan-to-Deposit Ratio | 93.29% | 47.05% |
| Core Deposit Ratio | 94.25% | 94.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | Community Bank of Memphis |
|---|---|---|
| Headquarters City | POND CREEK | MEMPHIS |
| Headquarters State | OK | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 8 |
| Established | Sept. 16, 1893, midnight | March 20, 1999, 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.
View full First State Bank, the profile | View full Community Bank of Memphis profile | Browse all bank comparisons