Bank Comparison
Owingsville Banking Company vs Citizens Bank of Cumberland County, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.11% | 11.73% |
| Equity / Assets | 8.99% | 11.70% |
Profitability
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.89% |
| Return on Equity (ROE) | 7.22% | 16.41% |
| Net Interest Margin (NIM) | 4.26% | 4.83% |
| Yield on Earning Assets | 6.44% | 6.41% |
| Cost of Funds | 2.24% | 1.74% |
Asset quality
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| Texas Ratio | 4.75% | 4.27% |
| Non-Performing Loan Ratio | 0.27% | 0.76% |
| Non-Performing Asset Ratio | 0.20% | 0.53% |
| Net Charge-Off Ratio | 0.01% | 0.10% |
| ACL / Loans | 1.11% | 1.14% |
Balance sheet
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| Total Assets | $101,335K | $94,787K |
| Total Deposits | $89,712K | $81,505K |
| Total Loans | $76,286K | $66,907K |
| Total Equity | $9,113K | $11,092K |
| Net Income (quarter) | $164 | $454 |
Liquidity & funding
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 85.03% | 82.09% |
| Core Deposit Ratio | 92.64% | 92.88% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owingsville Banking Company | Citizens Bank of Cumberland County, INC. |
|---|---|---|
| Headquarters City | OWINGSVILLE | BURKESVILLE |
| Headquarters State | KY | KY |
| Asset Tier | Small | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 25 | 19 |
| Established | May 10, 1893, midnight | July 1, 2000, 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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