Bank Comparison
Isabella Bank vs National Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| CET1 Ratio | 11.36% | 10.78% |
| Tier 1 Capital Ratio | 11.36% | 10.78% |
| Total Capital Ratio | 12.24% | 11.72% |
| Tier 1 Leverage Ratio | 8.62% | 9.05% |
| Equity / Assets | 8.35% | 9.64% |
Profitability
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 1.74% |
| Return on Equity (ROE) | 12.69% | 18.12% |
| Net Interest Margin (NIM) | 3.32% | 4.26% |
| Yield on Earning Assets | 4.89% | 6.19% |
| Cost of Funds | 1.63% | 2.07% |
Asset quality
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| Texas Ratio | 7.25% | 5.04% |
| Non-Performing Loan Ratio | 0.90% | 0.31% |
| Non-Performing Asset Ratio | 0.64% | 0.26% |
| Net Charge-Off Ratio | 0.07% | 0.04% |
| ACL / Loans | 0.90% | 1.00% |
Balance sheet
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| Total Assets | $2,203M | $2,205M |
| Total Deposits | $1,890M | $1,840M |
| Total Loans | $1,559M | $1,685M |
| Total Equity | $183,968K | $212,705K |
| Net Income (quarter) | $5,754K | $9,658K |
Liquidity & funding
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 82.47% | 91.57% |
| Core Deposit Ratio | 92.67% | 91.42% |
| Uninsured Deposit Ratio | 38.50% | 29.52% |
Identity
| Metric | Isabella Bank | National Bank of Commerce |
|---|---|---|
| Headquarters City | MOUNT PLEASANT | SUPERIOR |
| Headquarters State | MI | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 14109 |
| Regulator | FED | OCC |
| Domestic Branches | 32 | 21 |
| Employees (FTE) | 364 | 278 |
| Established | July 1, 1903, midnight | Feb. 7, 1934, 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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