Bank Comparison
Nextier Bank, Na vs U.S. Century Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| CET1 Ratio | 11.75% | 12.74% |
| Tier 1 Capital Ratio | 11.75% | 12.74% |
| Total Capital Ratio | 12.90% | 13.96% |
| Tier 1 Leverage Ratio | 9.29% | 9.88% |
| Equity / Assets | 10.56% | 9.01% |
Profitability
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.54% |
| Return on Equity (ROE) | 12.31% | 17.47% |
| Net Interest Margin (NIM) | 3.57% | 3.31% |
| Yield on Earning Assets | 5.55% | 5.36% |
| Cost of Funds | 2.11% | 2.23% |
Asset quality
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| Texas Ratio | 21.65% | 1.52% |
| Non-Performing Loan Ratio | 2.71% | 0.19% |
| Non-Performing Asset Ratio | 2.11% | 0.15% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.06% | 1.16% |
Balance sheet
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| Total Assets | $2,853M | $2,842M |
| Total Deposits | $2,478M | $2,512M |
| Total Loans | $2,194M | $2,241M |
| Total Equity | $301,388K | $256,161K |
| Net Income (quarter) | $9,177K | $11,016K |
Liquidity & funding
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.54% | 89.19% |
| Core Deposit Ratio | 91.07% | 90.85% |
| Uninsured Deposit Ratio | 49.26% | 53.89% |
Identity
| Metric | Nextier Bank, Na | U.S. Century Bank |
|---|---|---|
| Headquarters City | KITTANNING | MIAMI |
| Headquarters State | PA | FL |
| Asset Tier | Large | Large |
| Charter Class | 5073 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 34 | 10 |
| Employees (FTE) | 308 | 211 |
| Established | Jan. 1, 1897, midnight | Oct. 28, 2002, 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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