Bank Comparison
Owingsville Banking Company vs First National Bank in Fredonia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.11% | 16.52% |
| Equity / Assets | 8.99% | 11.28% |
Profitability
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.29% |
| Return on Equity (ROE) | 7.22% | 11.97% |
| Net Interest Margin (NIM) | 4.26% | 3.10% |
| Yield on Earning Assets | 6.44% | 4.02% |
| Cost of Funds | 2.24% | 1.08% |
Asset quality
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| Texas Ratio | 4.75% | 2.13% |
| Non-Performing Loan Ratio | 0.27% | 0.74% |
| Non-Performing Asset Ratio | 0.20% | 0.26% |
| Net Charge-Off Ratio | 0.01% | -1.13% |
| ACL / Loans | 1.11% | 2.96% |
Balance sheet
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| Total Assets | $101,335K | $101,259K |
| Total Deposits | $89,712K | $89,665K |
| Total Loans | $76,286K | $30,828K |
| Total Equity | $9,113K | $11,423K |
| Net Income (quarter) | $164 | $349 |
Liquidity & funding
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| Loan-to-Deposit Ratio | 85.03% | 34.38% |
| Core Deposit Ratio | 92.64% | 81.65% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Owingsville Banking Company | First National Bank in Fredonia |
|---|---|---|
| Headquarters City | OWINGSVILLE | FREDONIA |
| Headquarters State | KY | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14370 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 25 | 15 |
| Established | May 10, 1893, midnight | Sept. 16, 1871, 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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