Bank Comparison
Four County Bank, the vs County Savings 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 | Four County Bank, the | County Savings Bank |
|---|---|---|
| CET1 Ratio | — | 19.73% |
| Tier 1 Capital Ratio | — | 19.73% |
| Total Capital Ratio | — | 20.82% |
| Tier 1 Leverage Ratio | 12.98% | 8.17% |
| Equity / Assets | 12.07% | 8.05% |
Profitability
| Metric | Four County Bank, the | County Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.78% | 0.18% |
| Return on Equity (ROE) | 14.46% | 2.22% |
| Net Interest Margin (NIM) | 4.44% | 3.38% |
| Yield on Earning Assets | 6.43% | 4.15% |
| Cost of Funds | 2.29% | 0.81% |
Asset quality
| Metric | Four County Bank, the | County Savings Bank |
|---|---|---|
| Texas Ratio | 5.75% | 0.00% |
| Non-Performing Loan Ratio | 1.15% | 0.00% |
| Non-Performing Asset Ratio | 0.78% | 0.00% |
| Net Charge-Off Ratio | 0.49% | 0.00% |
| ACL / Loans | 2.21% | 0.71% |
Balance sheet
| Metric | Four County Bank, the | County Savings Bank |
|---|---|---|
| Total Assets | $89,515K | $89,632K |
| Total Deposits | $78,341K | $81,513K |
| Total Loans | $60,772K | $54,144K |
| Total Equity | $10,806K | $7,213K |
| Net Income (quarter) | $407 | $40 |
Liquidity & funding
| Metric | Four County Bank, the | County Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.57% | 66.42% |
| Core Deposit Ratio | 80.56% | 98.46% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Four County Bank, the | County Savings Bank |
|---|---|---|
| Headquarters City | ALLENTOWN | ESSINGTON |
| Headquarters State | GA | PA |
| Asset Tier | 6: < $100M | 6: < $100M |
| Charter Class | 0 | 703136 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 11 | 18 |
| Established | Sept. 15, 1941, midnight | Jan. 1, 1920, 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 March 31, 2026. 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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