Bank Comparison
Peoples Bank of Macon vs Bank of Lumber City
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 10
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.11% | 9.22% |
| Equity / Assets | 13.00% | 11.62% |
Profitability
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| Return on Assets (ROA) | 0.33% | -1.87% |
| Return on Equity (ROE) | 2.49% | -15.60% |
| Net Interest Margin (NIM) | 2.97% | 4.67% |
| Yield on Earning Assets | 3.81% | 5.84% |
| Cost of Funds | 0.91% | 1.09% |
Asset quality
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| Texas Ratio | 0.29% | 3.13% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.26% | 1.99% |
Balance sheet
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| Total Assets | $23,569K | $23,941K |
| Total Deposits | $20,433K | $20,823K |
| Total Loans | $6,011K | $9,331K |
| Total Equity | $3,063K | $2,783K |
| Net Income (quarter) | $19 | $-112 |
Liquidity & funding
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| Loan-to-Deposit Ratio | 29.42% | 44.81% |
| Core Deposit Ratio | 89.08% | 98.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Macon | Bank of Lumber City |
|---|---|---|
| Headquarters City | MACON | Lumber City |
| Headquarters State | IL | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 4 | 12 |
| Established | May 11, 1964, midnight | July 2, 1945, 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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