Bank Comparison
Mccurtain County National Bank vs Community State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| CET1 Ratio | — | 12.78% |
| Tier 1 Capital Ratio | — | 12.78% |
| Total Capital Ratio | — | 14.03% |
| Tier 1 Leverage Ratio | 15.67% | 9.14% |
| Equity / Assets | 15.44% | 7.19% |
Profitability
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 0.81% |
| Return on Equity (ROE) | 6.84% | 11.46% |
| Net Interest Margin (NIM) | 3.58% | 4.28% |
| Yield on Earning Assets | 5.47% | 6.20% |
| Cost of Funds | 2.12% | 2.02% |
Asset quality
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| Texas Ratio | 3.86% | 3.49% |
| Non-Performing Loan Ratio | 1.63% | 0.35% |
| Non-Performing Asset Ratio | 0.63% | 0.28% |
| Net Charge-Off Ratio | 0.32% | 0.13% |
| ACL / Loans | 2.54% | 1.22% |
Balance sheet
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| Total Assets | $383,363K | $390,201K |
| Total Deposits | $323,639K | $360,973K |
| Total Loans | $148,845K | $283,053K |
| Total Equity | $59,204K | $28,071K |
| Net Income (quarter) | $1,008K | $791 |
Liquidity & funding
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 45.99% | 78.41% |
| Core Deposit Ratio | 89.92% | 86.79% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mccurtain County National Bank | Community State Bank, the |
|---|---|---|
| Headquarters City | BROKEN BOW | POTEAU |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 17269 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 73 | 113 |
| Established | April 23, 1982, midnight | Oct. 19, 1970, 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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