Bank Comparison
Old Fort Banking Company, the vs Unified Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| CET1 Ratio | 14.95% | 12.40% |
| Tier 1 Capital Ratio | 14.95% | 12.40% |
| Total Capital Ratio | 15.98% | 13.07% |
| Tier 1 Leverage Ratio | 8.73% | 9.17% |
| Equity / Assets | 6.67% | 8.38% |
Profitability
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.30% |
| Return on Equity (ROE) | 20.13% | 15.33% |
| Net Interest Margin (NIM) | 2.87% | 3.64% |
| Yield on Earning Assets | 4.29% | 5.25% |
| Cost of Funds | 1.51% | 1.60% |
Asset quality
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| Texas Ratio | 1.60% | 12.09% |
| Non-Performing Loan Ratio | 0.19% | 1.31% |
| Non-Performing Asset Ratio | 0.11% | 1.06% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.08% | 0.85% |
Balance sheet
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| Total Assets | $853,794K | $852,639K |
| Total Deposits | $792,466K | $681,380K |
| Total Loans | $482,104K | $500,151K |
| Total Equity | $56,917K | $71,431K |
| Net Income (quarter) | $2,905K | $2,784K |
Liquidity & funding
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.84% | 73.40% |
| Core Deposit Ratio | 88.99% | 93.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Old Fort Banking Company, the | Unified Bank |
|---|---|---|
| Headquarters City | OLD FORT | MARTINS FERRY |
| Headquarters State | OH | OH |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 19 |
| Employees (FTE) | 95 | 126 |
| Established | Jan. 16, 1916, midnight | Jan. 1, 1902, 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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