Bank Comparison
Mid-central National Bank vs Adelphi Bank
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 | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| CET1 Ratio | 23.95% | — |
| Tier 1 Capital Ratio | 23.95% | — |
| Total Capital Ratio | 24.98% | — |
| Tier 1 Leverage Ratio | 14.90% | 16.52% |
| Equity / Assets | 18.07% | 16.06% |
Profitability
| Metric | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 0.15% |
| Return on Equity (ROE) | 3.46% | 0.92% |
| Net Interest Margin (NIM) | 5.16% | 4.71% |
| Yield on Earning Assets | 5.95% | 6.64% |
| Cost of Funds | 0.91% | 2.34% |
Asset quality
| Metric | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| Texas Ratio | 6.82% | 0.00% |
| Non-Performing Loan Ratio | 1.27% | 0.00% |
| Non-Performing Asset Ratio | 0.98% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.79% | 1.29% |
Balance sheet
| Metric | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| Total Assets | $116,854K | $116,980K |
| Total Deposits | $94,941K | $96,866K |
| Total Loans | $90,906K | $93,908K |
| Total Equity | $21,119K | $18,782K |
| Net Income (quarter) | $182 | $43 |
Liquidity & funding
| Metric | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.75% | 96.95% |
| Core Deposit Ratio | 97.58% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mid-central National Bank | Adelphi Bank |
|---|---|---|
| Headquarters City | WADENA | COLUMBUS |
| Headquarters State | MN | OH |
| Asset Tier | Small | Small |
| Charter Class | 25227 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 32 | 24 |
| Established | March 11, 1957, midnight | Jan. 18, 2023, 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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