Bank Comparison
Mccurtain County National Bank vs Earlham Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| CET1 Ratio | — | 16.81% |
| Tier 1 Capital Ratio | — | 16.81% |
| Total Capital Ratio | — | 18.08% |
| Tier 1 Leverage Ratio | 15.67% | 9.36% |
| Equity / Assets | 15.44% | 9.36% |
Profitability
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 0.98% |
| Return on Equity (ROE) | 6.84% | 10.57% |
| Net Interest Margin (NIM) | 3.58% | 3.61% |
| Yield on Earning Assets | 5.47% | 5.18% |
| Cost of Funds | 2.12% | 1.70% |
Asset quality
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| Texas Ratio | 3.86% | 5.07% |
| Non-Performing Loan Ratio | 1.63% | 0.24% |
| Non-Performing Asset Ratio | 0.63% | 0.14% |
| Net Charge-Off Ratio | 0.32% | -0.06% |
| ACL / Loans | 2.54% | 2.59% |
Balance sheet
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| Total Assets | $383,363K | $383,147K |
| Total Deposits | $323,639K | $345,721K |
| Total Loans | $148,845K | $227,778K |
| Total Equity | $59,204K | $35,862K |
| Net Income (quarter) | $1,008K | $937 |
Liquidity & funding
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 45.99% | 65.88% |
| Core Deposit Ratio | 89.92% | 98.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mccurtain County National Bank | Earlham Savings Bank |
|---|---|---|
| Headquarters City | BROKEN BOW | WEST DES MOINES |
| Headquarters State | OK | IA |
| Asset Tier | Small | Small |
| Charter Class | 17269 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 9 |
| Employees (FTE) | 73 | 60 |
| Established | April 23, 1982, midnight | Jan. 1, 1931, 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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