Bank Comparison
Kentland Bank vs Unibank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kentland Bank | Unibank |
|---|---|---|
| CET1 Ratio | — | 10.63% |
| Tier 1 Capital Ratio | — | 10.63% |
| Total Capital Ratio | — | 11.74% |
| Tier 1 Leverage Ratio | 12.08% | 7.18% |
| Equity / Assets | 11.06% | 7.00% |
Profitability
| Metric | Kentland Bank | Unibank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | -0.13% |
| Return on Equity (ROE) | 12.35% | -1.92% |
| Net Interest Margin (NIM) | 4.32% | 3.01% |
| Yield on Earning Assets | 6.17% | 5.94% |
| Cost of Funds | 2.01% | 3.10% |
Asset quality
| Metric | Kentland Bank | Unibank |
|---|---|---|
| Texas Ratio | 13.26% | 14.50% |
| Non-Performing Loan Ratio | 0.63% | 1.69% |
| Non-Performing Asset Ratio | 1.61% | 1.12% |
| Net Charge-Off Ratio | -0.01% | -1.42% |
| ACL / Loans | 1.67% | 1.13% |
Balance sheet
| Metric | Kentland Bank | Unibank |
|---|---|---|
| Total Assets | $402,166K | $401,831K |
| Total Deposits | $310,960K | $331,992K |
| Total Loans | $269,110K | $266,719K |
| Total Equity | $44,478K | $28,118K |
| Net Income (quarter) | $1,376K | $-136 |
Liquidity & funding
| Metric | Kentland Bank | Unibank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.54% | 80.34% |
| Core Deposit Ratio | 85.17% | 82.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kentland Bank | Unibank |
|---|---|---|
| Headquarters City | KENTLAND | LYNNWOOD |
| Headquarters State | IN | WA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 59 | 52 |
| Established | Sept. 19, 1932, midnight | Nov. 1, 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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