Bank Comparison
Four County Bank, the vs First Bank of Pike
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| CET1 Ratio | — | 14.97% |
| Tier 1 Capital Ratio | — | 15.46% |
| Total Capital Ratio | — | 16.71% |
| Tier 1 Leverage Ratio | 12.98% | 9.24% |
| Equity / Assets | 12.07% | 9.11% |
Profitability
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| Return on Assets (ROA) | 1.78% | 1.23% |
| Return on Equity (ROE) | 14.46% | 14.01% |
| Net Interest Margin (NIM) | 4.44% | 5.29% |
| Yield on Earning Assets | 6.43% | 6.53% |
| Cost of Funds | 2.29% | 1.37% |
Asset quality
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| Texas Ratio | 5.75% | 6.39% |
| Non-Performing Loan Ratio | 1.15% | 1.06% |
| Non-Performing Asset Ratio | 0.78% | 0.65% |
| Net Charge-Off Ratio | 0.49% | 0.01% |
| ACL / Loans | 2.21% | 1.62% |
Balance sheet
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| Total Assets | $89,515K | $89,862K |
| Total Deposits | $78,341K | $80,577K |
| Total Loans | $60,772K | $54,964K |
| Total Equity | $10,806K | $8,182K |
| Net Income (quarter) | $407 | $282 |
Liquidity & funding
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| Loan-to-Deposit Ratio | 77.57% | 68.21% |
| Core Deposit Ratio | 80.56% | 92.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Four County Bank, the | First Bank of Pike |
|---|---|---|
| Headquarters City | ALLENTOWN | MOLENA |
| Headquarters State | GA | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 11 | 23 |
| Established | Sept. 15, 1941, midnight | Jan. 1, 1899, 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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