Bank Comparison
Nbt Financial Bank vs Bank of Holly Springs, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| CET1 Ratio | 14.02% | — |
| Tier 1 Capital Ratio | 14.02% | — |
| Total Capital Ratio | 15.28% | — |
| Tier 1 Leverage Ratio | 10.79% | 13.00% |
| Equity / Assets | 10.53% | 13.22% |
Profitability
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.36% |
| Return on Equity (ROE) | 14.07% | 10.12% |
| Net Interest Margin (NIM) | 4.30% | 4.09% |
| Yield on Earning Assets | 6.30% | 6.35% |
| Cost of Funds | 2.14% | 2.50% |
Asset quality
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| Texas Ratio | 14.85% | 22.80% |
| Non-Performing Loan Ratio | 2.23% | 4.05% |
| Non-Performing Asset Ratio | 1.67% | 3.07% |
| Net Charge-Off Ratio | 0.04% | 3.68% |
| ACL / Loans | 1.35% | 1.66% |
Balance sheet
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| Total Assets | $598,478K | $597,440K |
| Total Deposits | $521,801K | $502,800K |
| Total Loans | $449,614K | $435,959K |
| Total Equity | $62,999K | $78,995K |
| Net Income (quarter) | $2,192K | $1,978K |
Liquidity & funding
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| Loan-to-Deposit Ratio | 86.17% | 86.71% |
| Core Deposit Ratio | 79.00% | 81.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Nbt Financial Bank | Bank of Holly Springs, the |
|---|---|---|
| Headquarters City | FORT WORTH | HOLLY SPRINGS |
| Headquarters State | TX | MS |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 9 |
| Employees (FTE) | 77 | 101 |
| Established | Nov. 29, 1973, midnight | Feb. 1, 1869, 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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