Bank Comparison
Kirkpatrick Bank vs Centennial 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 | Centennial Bank |
|---|---|---|
| CET1 Ratio | 14.27% | 12.77% |
| Tier 1 Capital Ratio | 14.27% | 12.77% |
| Total Capital Ratio | 15.53% | 14.02% |
| Tier 1 Leverage Ratio | 10.09% | 12.08% |
| Equity / Assets | 8.34% | 10.31% |
Profitability
| Metric | Kirkpatrick Bank | Centennial Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.29% |
| Return on Equity (ROE) | 9.91% | 11.51% |
| Net Interest Margin (NIM) | 3.12% | 4.89% |
| Yield on Earning Assets | 4.95% | 7.60% |
| Cost of Funds | 2.17% | 2.57% |
Asset quality
| Metric | Kirkpatrick Bank | Centennial Bank |
|---|---|---|
| Texas Ratio | 0.00% | 4.11% |
| Non-Performing Loan Ratio | 0.00% | 0.50% |
| Non-Performing Asset Ratio | 0.00% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 2.17% | 1.67% |
Balance sheet
| Metric | Kirkpatrick Bank | Centennial Bank |
|---|---|---|
| Total Assets | $1,059M | $1,062M |
| Total Deposits | $953,247K | $935,608K |
| Total Loans | $754,448K | $731,546K |
| Total Equity | $88,330K | $109,642K |
| Net Income (quarter) | $2,184K | $2,787K |
Liquidity & funding
| Metric | Kirkpatrick Bank | Centennial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.15% | 78.19% |
| Core Deposit Ratio | 92.45% | 89.49% |
| Uninsured Deposit Ratio | — | 25.74% |
Identity
| Metric | Kirkpatrick Bank | Centennial Bank |
|---|---|---|
| Headquarters City | EDMOND | TREZEVANT |
| Headquarters State | OK | TN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 17 |
| Employees (FTE) | 130 | 178 |
| Established | March 23, 1970, midnight | Jan. 1, 1916, 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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