Bank Comparison
Seamens Bank vs Meade County Bank, INC.
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 | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| CET1 Ratio | — | 12.67% |
| Tier 1 Capital Ratio | — | 12.67% |
| Total Capital Ratio | — | 13.05% |
| Tier 1 Leverage Ratio | 12.42% | 8.96% |
| Equity / Assets | 12.40% | 7.64% |
Profitability
| Metric | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 1.32% |
| Return on Equity (ROE) | 5.88% | 17.34% |
| Net Interest Margin (NIM) | 3.88% | 3.45% |
| Yield on Earning Assets | 5.24% | 5.84% |
| Cost of Funds | 1.50% | 2.52% |
Asset quality
| Metric | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| Texas Ratio | 2.01% | 0.83% |
| Non-Performing Loan Ratio | 0.34% | 0.03% |
| Non-Performing Asset Ratio | 0.26% | 0.03% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 0.60% | 0.31% |
Balance sheet
| Metric | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| Total Assets | $469,291K | $469,688K |
| Total Deposits | $404,711K | $395,708K |
| Total Loans | $359,711K | $385,859K |
| Total Equity | $58,187K | $35,867K |
| Net Income (quarter) | $853 | $1,536K |
Liquidity & funding
| Metric | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 88.88% | 97.51% |
| Core Deposit Ratio | 87.54% | 90.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Seamens Bank | Meade County Bank, INC. |
|---|---|---|
| Headquarters City | PROVINCETOWN | BRANDENBURG |
| Headquarters State | MA | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 72 | 51 |
| Established | April 14, 1851, midnight | June 7, 1984, 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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