Bank Comparison
Oakdale State Bank vs Peoples Bank of Macon
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 7
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.29% | 13.11% |
| Equity / Assets | 13.42% | 13.00% |
Profitability
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| Return on Assets (ROA) | -0.62% | 0.33% |
| Return on Equity (ROE) | -4.64% | 2.49% |
| Net Interest Margin (NIM) | 5.05% | 2.97% |
| Yield on Earning Assets | 5.90% | 3.81% |
| Cost of Funds | 0.95% | 0.91% |
Asset quality
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| Texas Ratio | 5.99% | 0.29% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.62% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.09% | 1.26% |
Balance sheet
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| Total Assets | $24,384K | $23,569K |
| Total Deposits | $21,055K | $20,433K |
| Total Loans | $13,560K | $6,011K |
| Total Equity | $3,272K | $3,063K |
| Net Income (quarter) | $-39 | $19 |
Liquidity & funding
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| Loan-to-Deposit Ratio | 64.40% | 29.42% |
| Core Deposit Ratio | 100.00% | 89.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Oakdale State Bank | Peoples Bank of Macon |
|---|---|---|
| Headquarters City | Oakdale | MACON |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 4 |
| Established | Dec. 28, 1920, midnight | May 11, 1964, 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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