Bank Comparison
Hocking Valley Bank, the vs First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| CET1 Ratio | — | 18.60% |
| Tier 1 Capital Ratio | — | 18.60% |
| Total Capital Ratio | — | 19.87% |
| Tier 1 Leverage Ratio | 11.10% | 10.79% |
| Equity / Assets | 10.14% | 9.12% |
Profitability
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 1.87% |
| Return on Equity (ROE) | 12.75% | 20.55% |
| Net Interest Margin (NIM) | 3.66% | 4.39% |
| Yield on Earning Assets | 4.68% | 6.13% |
| Cost of Funds | 1.09% | 1.90% |
Asset quality
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| Texas Ratio | 1.80% | 1.03% |
| Non-Performing Loan Ratio | 0.35% | 0.18% |
| Non-Performing Asset Ratio | 0.19% | 0.11% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.23% | 2.69% |
Balance sheet
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| Total Assets | $366,927K | $367,909K |
| Total Deposits | $325,924K | $329,938K |
| Total Loans | $204,478K | $226,471K |
| Total Equity | $37,199K | $33,565K |
| Net Income (quarter) | $1,172K | $1,733K |
Liquidity & funding
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.74% | 68.64% |
| Core Deposit Ratio | 87.52% | 82.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hocking Valley Bank, the | First National Bank |
|---|---|---|
| Headquarters City | ATHENS | ONEIDA |
| Headquarters State | OH | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 8039 |
| Regulator | FED | OCC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 43 | 52 |
| Established | Feb. 12, 1919, midnight | Jan. 1, 1904, 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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