Bank Comparison
North Easton Savings Bank vs Bank of Clarke
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 | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| CET1 Ratio | 16.11% | 14.47% |
| Tier 1 Capital Ratio | 16.11% | 14.47% |
| Total Capital Ratio | 16.68% | 15.62% |
| Tier 1 Leverage Ratio | 11.47% | 11.94% |
| Equity / Assets | 11.43% | 11.88% |
Profitability
| Metric | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 0.87% |
| Return on Equity (ROE) | 6.79% | 7.51% |
| Net Interest Margin (NIM) | 3.09% | 3.65% |
| Yield on Earning Assets | 4.83% | 5.35% |
| Cost of Funds | 1.79% | 1.86% |
Asset quality
| Metric | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| Texas Ratio | 5.19% | 7.01% |
| Non-Performing Loan Ratio | 0.64% | 1.11% |
| Non-Performing Asset Ratio | 0.47% | 0.89% |
| Net Charge-Off Ratio | -0.02% | -0.01% |
| ACL / Loans | 0.50% | 1.18% |
Balance sheet
| Metric | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| Total Assets | $1,834M | $1,838M |
| Total Deposits | $1,607M | $1,599M |
| Total Loans | $1,345M | $1,464M |
| Total Equity | $209,728K | $218,318K |
| Net Income (quarter) | $3,208K | $4,088K |
Liquidity & funding
| Metric | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| Loan-to-Deposit Ratio | 83.71% | 91.53% |
| Core Deposit Ratio | 95.69% | 89.17% |
| Uninsured Deposit Ratio | 23.31% | 26.26% |
Identity
| Metric | North Easton Savings Bank | Bank of Clarke |
|---|---|---|
| Headquarters City | SOUTH EASTON | BERRYVILLE |
| Headquarters State | MA | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 14 | 15 |
| Employees (FTE) | 187 | 253 |
| Established | Feb. 8, 1864, midnight | April 1, 1881, 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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