Bank Comparison
Kearney Trust Company vs Community Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 5
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| CET1 Ratio | 20.43% | — |
| Tier 1 Capital Ratio | 20.43% | — |
| Total Capital Ratio | 21.68% | — |
| Tier 1 Leverage Ratio | 11.74% | 10.18% |
| Equity / Assets | 10.85% | 10.11% |
Profitability
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 2.23% | 1.30% |
| Return on Equity (ROE) | 20.36% | 12.44% |
| Net Interest Margin (NIM) | 3.97% | 4.53% |
| Yield on Earning Assets | 5.38% | 6.46% |
| Cost of Funds | 1.54% | 2.05% |
Asset quality
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.10% |
| ACL / Loans | 1.45% | 1.02% |
Balance sheet
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| Total Assets | $325,102K | $324,699K |
| Total Deposits | $287,758K | $285,457K |
| Total Loans | $174,966K | $272,661K |
| Total Equity | $35,281K | $32,815K |
| Net Income (quarter) | $1,770K | $1,045K |
Liquidity & funding
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.80% | 95.52% |
| Core Deposit Ratio | 91.84% | 82.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kearney Trust Company | Community Valley Bank |
|---|---|---|
| Headquarters City | Kearney | EL CENTRO |
| Headquarters State | MO | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 38 | 42 |
| Established | June 10, 1882, midnight | Oct. 1, 2007, 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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