Bank Comparison
New Carlisle Federal Savings Bank vs Charles River Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| CET1 Ratio | 9.42% | 12.06% |
| Tier 1 Capital Ratio | 9.42% | 12.06% |
| Total Capital Ratio | 10.21% | 12.80% |
| Tier 1 Leverage Ratio | 8.17% | 7.93% |
| Equity / Assets | 8.06% | 6.43% |
Profitability
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 0.33% |
| Return on Equity (ROE) | 11.39% | 5.28% |
| Net Interest Margin (NIM) | 3.75% | 3.19% |
| Yield on Earning Assets | 6.36% | 4.68% |
| Cost of Funds | 2.80% | 1.56% |
Asset quality
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| Texas Ratio | 16.65% | 5.70% |
| Non-Performing Loan Ratio | 1.60% | 0.17% |
| Non-Performing Asset Ratio | 1.38% | 0.12% |
| Net Charge-Off Ratio | 0.04% | -0.01% |
| ACL / Loans | 0.78% | 0.65% |
Balance sheet
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| Total Assets | $329,841K | $330,099K |
| Total Deposits | $265,495K | $306,589K |
| Total Loans | $284,235K | $234,583K |
| Total Equity | $26,585K | $21,232K |
| Net Income (quarter) | $748 | $279 |
Liquidity & funding
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.06% | 76.51% |
| Core Deposit Ratio | 88.17% | 83.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | New Carlisle Federal Savings Bank | Charles River Bank |
|---|---|---|
| Headquarters City | NEW CARLISLE | MEDWAY |
| Headquarters State | OH | MA |
| Asset Tier | Small | Small |
| Charter Class | 703043 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 29 | 53 |
| Established | Jan. 1, 1883, midnight | Jan. 1, 1915, 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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