Bank Comparison
Onelocal Bank vs Prime Alliance Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| CET1 Ratio | — | 12.59% |
| Tier 1 Capital Ratio | — | 12.59% |
| Total Capital Ratio | — | 13.86% |
| Tier 1 Leverage Ratio | 13.68% | 11.10% |
| Equity / Assets | 13.57% | 10.46% |
Profitability
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 3.65% |
| Return on Equity (ROE) | 6.68% | 36.07% |
| Net Interest Margin (NIM) | 3.40% | 4.86% |
| Yield on Earning Assets | 5.69% | 8.13% |
| Cost of Funds | 2.58% | 3.65% |
Asset quality
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| Texas Ratio | 1.32% | 10.40% |
| Non-Performing Loan Ratio | 0.21% | 1.72% |
| Non-Performing Asset Ratio | 0.18% | 1.37% |
| Net Charge-Off Ratio | 0.00% | 0.41% |
| ACL / Loans | 0.88% | 3.42% |
Balance sheet
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| Total Assets | $1,056M | $1,059M |
| Total Deposits | $842,207K | $945,637K |
| Total Loans | $911,234K | $846,294K |
| Total Equity | $143,317K | $110,819K |
| Net Income (quarter) | $2,379K | $9,584K |
Liquidity & funding
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 108.20% | 89.49% |
| Core Deposit Ratio | 83.11% | 89.30% |
| Uninsured Deposit Ratio | 35.21% | — |
Identity
| Metric | Onelocal Bank | Prime Alliance Bank |
|---|---|---|
| Headquarters City | NORWOOD | WOODS CROSS |
| Headquarters State | MA | UT |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 79 | 36 |
| Established | Jan. 1, 1889, midnight | Dec. 8, 2004, 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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