Bank Comparison
Kinmundy Bank vs Bank of Evergreen
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| CET1 Ratio | 21.91% | — |
| Tier 1 Capital Ratio | 21.91% | — |
| Total Capital Ratio | 22.81% | — |
| Tier 1 Leverage Ratio | 12.93% | 14.12% |
| Equity / Assets | 13.92% | 11.71% |
Profitability
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| Return on Assets (ROA) | 2.06% | 0.53% |
| Return on Equity (ROE) | 15.16% | 4.52% |
| Net Interest Margin (NIM) | 4.38% | 3.51% |
| Yield on Earning Assets | 5.79% | 4.72% |
| Cost of Funds | 1.62% | 1.30% |
Asset quality
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| Texas Ratio | 4.34% | 3.47% |
| Non-Performing Loan Ratio | 0.32% | 1.06% |
| Non-Performing Asset Ratio | 0.33% | 0.43% |
| Net Charge-Off Ratio | 0.14% | 0.12% |
| ACL / Loans | 0.82% | 1.64% |
Balance sheet
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| Total Assets | $76,177K | $76,245K |
| Total Deposits | $65,388K | $67,039K |
| Total Loans | $48,731K | $30,932K |
| Total Equity | $10,601K | $8,928K |
| Net Income (quarter) | $395 | $101 |
Liquidity & funding
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| Loan-to-Deposit Ratio | 74.53% | 46.14% |
| Core Deposit Ratio | 95.77% | 90.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kinmundy Bank | Bank of Evergreen |
|---|---|---|
| Headquarters City | KINMUNDY | EVERGREEN |
| Headquarters State | IL | AL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 12 |
| Established | Feb. 2, 1902, midnight | Sept. 1, 1932, 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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