Bank Comparison
Industrial and Commercial Bank of China (usa), N.A. vs Cedar Rapids Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 17.23% | 13.85% |
| Tier 1 Capital Ratio | 17.23% | 13.85% |
| Total Capital Ratio | 17.96% | 14.64% |
| Tier 1 Leverage Ratio | 16.94% | 16.68% |
| Equity / Assets | 17.20% | 16.61% |
Profitability
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.51% | 2.44% |
| Return on Equity (ROE) | 3.04% | 14.74% |
| Net Interest Margin (NIM) | 2.96% | 3.88% |
| Yield on Earning Assets | 5.29% | 5.90% |
| Cost of Funds | 2.89% | 2.27% |
Asset quality
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| Texas Ratio | 22.96% | 2.48% |
| Non-Performing Loan Ratio | 4.18% | 0.60% |
| Non-Performing Asset Ratio | 4.12% | 0.42% |
| Net Charge-Off Ratio | 0.00% | 0.23% |
| ACL / Loans | 0.77% | 1.22% |
Balance sheet
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| Total Assets | $2,864M | $2,866M |
| Total Deposits | $2,273M | $1,979M |
| Total Loans | $2,716M | $2,020M |
| Total Equity | $492,687K | $476,302K |
| Net Income (quarter) | $3,727K | $17,429K |
Liquidity & funding
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 119.47% | 102.04% |
| Core Deposit Ratio | 78.08% | 95.42% |
| Uninsured Deposit Ratio | 33.24% | 32.83% |
Identity
| Metric | Industrial and Commercial Bank of China (usa), N.A. | Cedar Rapids Bank and Trust Company |
|---|---|---|
| Headquarters City | NEW YORK | CEDAR RAPIDS |
| Headquarters State | NY | IA |
| Asset Tier | Large | Large |
| Charter Class | 24440 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 14 | 9 |
| Employees (FTE) | 288 | 189 |
| Established | Feb. 14, 1983, midnight | Sept. 14, 2001, 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.
View full Industrial and Commercial Bank of China (usa), N.A. profile | View full Cedar Rapids Bank and Trust Company profile | Browse all bank comparisons