Bank Comparison
Missouri Bank, the vs Piermont Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| CET1 Ratio | — | 12.03% |
| Tier 1 Capital Ratio | — | 18.57% |
| Total Capital Ratio | — | 19.40% |
| Tier 1 Leverage Ratio | 12.28% | 12.63% |
| Equity / Assets | 11.72% | 12.54% |
Profitability
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| Return on Assets (ROA) | 2.11% | -1.93% |
| Return on Equity (ROE) | 18.50% | -15.97% |
| Net Interest Margin (NIM) | 3.91% | 2.11% |
| Yield on Earning Assets | 5.57% | 4.53% |
| Cost of Funds | 1.77% | 2.79% |
Asset quality
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| Texas Ratio | 0.70% | 2.57% |
| Non-Performing Loan Ratio | 0.03% | 0.53% |
| Non-Performing Asset Ratio | 0.02% | 0.34% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.23% | 0.92% |
Balance sheet
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| Total Assets | $474,299K | $474,367K |
| Total Deposits | $418,053K | $365,130K |
| Total Loans | $314,424K | $304,653K |
| Total Equity | $55,589K | $59,483K |
| Net Income (quarter) | $2,554K | $-2,425 |
Liquidity & funding
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.21% | 83.44% |
| Core Deposit Ratio | 95.63% | 95.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Missouri Bank, the | Piermont Bank |
|---|---|---|
| Headquarters City | WARRENTON | NEW YORK |
| Headquarters State | MO | NY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 70 | 47 |
| Established | Jan. 1, 1934, midnight | July 1, 2019, 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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