Bank Comparison
Kitsap Bank vs Cbi Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| CET1 Ratio | 14.81% | 13.08% |
| Tier 1 Capital Ratio | 14.81% | 13.08% |
| Total Capital Ratio | 15.65% | 14.23% |
| Tier 1 Leverage Ratio | 10.33% | 10.25% |
| Equity / Assets | 8.84% | 12.04% |
Profitability
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 0.98% |
| Return on Equity (ROE) | 8.95% | 8.02% |
| Net Interest Margin (NIM) | 3.46% | 4.08% |
| Yield on Earning Assets | 4.53% | 5.34% |
| Cost of Funds | 1.14% | 1.32% |
Asset quality
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 8.48% |
| Non-Performing Loan Ratio | 0.00% | 1.15% |
| Non-Performing Asset Ratio | 0.00% | 0.75% |
| Net Charge-Off Ratio | 0.01% | 0.04% |
| ACL / Loans | 1.04% | 1.28% |
Balance sheet
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| Total Assets | $1,653M | $1,657M |
| Total Deposits | $1,434M | $1,412M |
| Total Loans | $897,394K | $1,076M |
| Total Equity | $146,187K | $199,648K |
| Net Income (quarter) | $3,507K | $4,001K |
Liquidity & funding
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 62.54% | 76.23% |
| Core Deposit Ratio | 94.95% | 92.35% |
| Uninsured Deposit Ratio | 21.12% | 30.37% |
Identity
| Metric | Kitsap Bank | Cbi Bank & Trust |
|---|---|---|
| Headquarters City | Port Orchard | MUSCATINE |
| Headquarters State | WA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 17 | 24 |
| Employees (FTE) | 252 | 271 |
| Established | Aug. 8, 1908, midnight | June 13, 1933, 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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