Bank Comparison
Kirkpatrick Bank vs Bnc National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| CET1 Ratio | 14.27% | 14.22% |
| Tier 1 Capital Ratio | 14.27% | 14.22% |
| Total Capital Ratio | 15.53% | 15.24% |
| Tier 1 Leverage Ratio | 10.09% | 11.28% |
| Equity / Assets | 8.34% | 11.10% |
Profitability
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.03% |
| Return on Equity (ROE) | 9.91% | 9.68% |
| Net Interest Margin (NIM) | 3.12% | 3.56% |
| Yield on Earning Assets | 4.95% | 5.26% |
| Cost of Funds | 2.17% | 1.88% |
Asset quality
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 5.37% |
| Non-Performing Loan Ratio | 0.00% | 0.92% |
| Non-Performing Asset Ratio | 0.00% | 0.64% |
| Net Charge-Off Ratio | 0.00% | 1.11% |
| ACL / Loans | 2.17% | 1.18% |
Balance sheet
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| Total Assets | $1,059M | $1,061M |
| Total Deposits | $953,247K | $938,240K |
| Total Loans | $754,448K | $734,622K |
| Total Equity | $88,330K | $117,805K |
| Net Income (quarter) | $2,184K | $2,817K |
Liquidity & funding
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.15% | 78.30% |
| Core Deposit Ratio | 92.45% | 97.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kirkpatrick Bank | Bnc National Bank |
|---|---|---|
| Headquarters City | EDMOND | GLENDALE |
| Headquarters State | OK | AZ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 22973 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 12 |
| Employees (FTE) | 130 | 125 |
| Established | March 23, 1970, midnight | Jan. 22, 1996, 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 Kirkpatrick Bank profile | View full Bnc National Bank profile | Browse all bank comparisons