Bank Comparison
North Cambridge Co-operative Bank vs Tustin Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| CET1 Ratio | 63.29% | — |
| Tier 1 Capital Ratio | 63.29% | — |
| Total Capital Ratio | 64.54% | — |
| Tier 1 Leverage Ratio | 28.49% | 15.66% |
| Equity / Assets | 28.73% | 15.26% |
Profitability
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| Return on Assets (ROA) | -0.95% | 1.18% |
| Return on Equity (ROE) | -3.12% | 7.57% |
| Net Interest Margin (NIM) | 3.01% | 5.67% |
| Yield on Earning Assets | 3.99% | 7.68% |
| Cost of Funds | 1.30% | 2.25% |
Asset quality
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.17% |
| Non-Performing Loan Ratio | 0.00% | 0.04% |
| Non-Performing Asset Ratio | 0.00% | 0.03% |
| Net Charge-Off Ratio | 0.00% | 0.37% |
| ACL / Loans | 0.92% | 3.16% |
Balance sheet
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| Total Assets | $86,398K | $86,207K |
| Total Deposits | $60,021K | $71,352K |
| Total Loans | $46,963K | $68,739K |
| Total Equity | $24,821K | $13,157K |
| Net Income (quarter) | $-195 | $247 |
Liquidity & funding
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.24% | 96.34% |
| Core Deposit Ratio | 89.25% | 86.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | North Cambridge Co-operative Bank | Tustin Community Bank |
|---|---|---|
| Headquarters City | CAMBRIDGE | TUSTIN |
| Headquarters State | MA | CA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 19 |
| Established | Jan. 1, 1912, midnight | April 23, 1981, 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.
View full North Cambridge Co-operative Bank profile | View full Tustin Community Bank profile | Browse all bank comparisons