Bank Comparison
Peoples Bank, the vs Caldwell Bank & Trust Company
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 | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 24.82% | — |
| Tier 1 Capital Ratio | 24.82% | — |
| Total Capital Ratio | 26.07% | — |
| Tier 1 Leverage Ratio | 13.92% | 10.03% |
| Equity / Assets | 13.51% | 9.86% |
Profitability
| Metric | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 1.41% |
| Return on Equity (ROE) | 8.43% | 14.32% |
| Net Interest Margin (NIM) | 4.12% | 4.34% |
| Yield on Earning Assets | 4.48% | 6.82% |
| Cost of Funds | 0.41% | 2.58% |
Asset quality
| Metric | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| Texas Ratio | 1.74% | 28.19% |
| Non-Performing Loan Ratio | 0.39% | 1.45% |
| Non-Performing Asset Ratio | 0.24% | 1.33% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.38% | 1.18% |
Balance sheet
| Metric | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| Total Assets | $293,238K | $293,294K |
| Total Deposits | $252,016K | $259,504K |
| Total Loans | $178,776K | $217,281K |
| Total Equity | $39,631K | $28,913K |
| Net Income (quarter) | $825 | $1,021K |
Liquidity & funding
| Metric | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 70.94% | 83.73% |
| Core Deposit Ratio | 97.85% | 83.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank, the | Caldwell Bank & Trust Company |
|---|---|---|
| Headquarters City | CHESTERTOWN | COLUMBIA |
| Headquarters State | MD | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 79 | 61 |
| Established | Oct. 1, 1910, 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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