Bank Comparison
Mccurtain County National Bank vs Home Loan Savings Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| CET1 Ratio | — | 14.89% |
| Tier 1 Capital Ratio | — | 14.89% |
| Total Capital Ratio | — | 16.14% |
| Tier 1 Leverage Ratio | 15.67% | 11.90% |
| Equity / Assets | 15.44% | 11.87% |
Profitability
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 2.28% |
| Return on Equity (ROE) | 6.84% | 19.60% |
| Net Interest Margin (NIM) | 3.58% | 5.15% |
| Yield on Earning Assets | 5.47% | 7.17% |
| Cost of Funds | 2.12% | 2.27% |
Asset quality
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| Texas Ratio | 3.86% | 7.15% |
| Non-Performing Loan Ratio | 1.63% | 0.67% |
| Non-Performing Asset Ratio | 0.63% | 0.62% |
| Net Charge-Off Ratio | 0.32% | 0.00% |
| ACL / Loans | 2.54% | 1.23% |
Balance sheet
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| Total Assets | $383,363K | $383,160K |
| Total Deposits | $323,639K | $313,648K |
| Total Loans | $148,845K | $350,313K |
| Total Equity | $59,204K | $45,486K |
| Net Income (quarter) | $1,008K | $2,176K |
Liquidity & funding
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 45.99% | 111.69% |
| Core Deposit Ratio | 89.92% | 94.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mccurtain County National Bank | Home Loan Savings Bank, the |
|---|---|---|
| Headquarters City | BROKEN BOW | COSHOCTON |
| Headquarters State | OK | OH |
| Asset Tier | Small | Small |
| Charter Class | 17269 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 73 | 52 |
| Established | April 23, 1982, midnight | Jan. 1, 1882, 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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