Bank Comparison
Franklin Bank vs Columbus State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| CET1 Ratio | 17.39% | 50.75% |
| Tier 1 Capital Ratio | 17.39% | 50.75% |
| Total Capital Ratio | 18.35% | 50.97% |
| Tier 1 Leverage Ratio | 10.11% | 14.44% |
| Equity / Assets | 8.93% | 12.92% |
Profitability
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.55% | 0.83% |
| Return on Equity (ROE) | 6.19% | 6.18% |
| Net Interest Margin (NIM) | 3.58% | 2.22% |
| Yield on Earning Assets | 4.38% | 3.07% |
| Cost of Funds | 0.85% | 0.92% |
Asset quality
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| Texas Ratio | 1.74% | 0.00% |
| Non-Performing Loan Ratio | 0.26% | 0.00% |
| Non-Performing Asset Ratio | 0.17% | 0.00% |
| Net Charge-Off Ratio | 0.05% | 0.00% |
| ACL / Loans | 0.86% | 0.99% |
Balance sheet
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| Total Assets | $337,448K | $337,880K |
| Total Deposits | $305,076K | $293,189K |
| Total Loans | $211,028K | $20,418K |
| Total Equity | $30,124K | $43,650K |
| Net Income (quarter) | $463 | $670 |
Liquidity & funding
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.17% | 6.96% |
| Core Deposit Ratio | 96.77% | 90.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Franklin Bank | Columbus State Bank |
|---|---|---|
| Headquarters City | PILESGROVE | COLUMBUS |
| Headquarters State | NJ | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 69 | 22 |
| Established | Jan. 1, 1861, midnight | Aug. 19, 1919, 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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