Bank Comparison
Franklin Savings Bank vs River Valley Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| CET1 Ratio | 22.23% | 13.72% |
| Tier 1 Capital Ratio | 22.23% | 13.72% |
| Total Capital Ratio | 23.07% | 14.81% |
| Tier 1 Leverage Ratio | 18.64% | 8.89% |
| Equity / Assets | 18.22% | 7.84% |
Profitability
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 0.62% |
| Return on Equity (ROE) | 5.28% | 8.06% |
| Net Interest Margin (NIM) | 4.36% | 3.12% |
| Yield on Earning Assets | 5.99% | 4.83% |
| Cost of Funds | 1.90% | 1.79% |
Asset quality
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| Texas Ratio | 6.10% | 5.12% |
| Non-Performing Loan Ratio | 1.22% | 0.83% |
| Non-Performing Asset Ratio | 1.06% | 0.43% |
| Net Charge-Off Ratio | 0.12% | 0.00% |
| ACL / Loans | 0.77% | 1.24% |
Balance sheet
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| Total Assets | $764,634K | $764,212K |
| Total Deposits | $606,704K | $670,456K |
| Total Loans | $666,835K | $397,968K |
| Total Equity | $139,300K | $59,933K |
| Net Income (quarter) | $1,825K | $1,201K |
Liquidity & funding
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 109.91% | 59.36% |
| Core Deposit Ratio | 93.53% | 95.07% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Franklin Savings Bank | River Valley Community Bank |
|---|---|---|
| Headquarters City | FARMINGTON | YUBA CITY |
| Headquarters State | ME | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 147 | 77 |
| Established | Nov. 16, 1868, midnight | June 26, 2006, 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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