Bank Comparison
Security First Bank of North Dakota vs Community Bank & Trust - West Georgia
BankRegReports is independent of Security First Bank of North Dakota and Community Bank & Trust - West Georgia and never asks for online banking logins or passwords.
On each bank's latest call report (Q2 2026 for Security First Bank of North Dakota, Q1 2026 for Community Bank & Trust - West Georgia), Security First Bank of North Dakota is the larger bank, with $293.2M in total assets to Community Bank & Trust - West Georgia's $292.6M; Security First Bank of North Dakota has the higher return on assets (1.92% vs -6.64%).
vs
10 · 3
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| CET1 Ratio | — | 0.19% |
| Tier 1 Capital Ratio | — | 0.19% |
| Total Capital Ratio | — | 1.49% |
| Tier 1 Leverage Ratio | 12.99% | 0.16% |
| Equity / Assets | 12.89% | 1.31% |
Profitability
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| Return on Assets (ROA) | 1.92% | -6.64% |
| Return on Equity (ROE) | 15.17% | -191.50% |
| Net Interest Margin (NIM) | 4.70% | 2.33% |
| Yield on Earning Assets | 5.88% | 5.94% |
| Cost of Funds | 1.31% | 3.26% |
Asset quality
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| Texas Ratio | 5.32% | 403.87% |
| Non-Performing Loan Ratio | 0.00% | 17.28% |
| Non-Performing Asset Ratio | 0.74% | 11.34% |
| Net Charge-Off Ratio | -0.13% | 6.19% |
| ACL / Loans | 1.42% | 4.21% |
Balance sheet
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| Total Assets | $293.2M | $292.6M |
| Total Deposits | $246.8M | $286.6M |
| Total Loans | $232.0M | $190.6M |
| Total Equity | $37.8M | $3.8M |
| Net Income (quarter) | $1.4M | ($5.0M) |
Liquidity & funding
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| Loan-to-Deposit Ratio | 93.97% | 66.50% |
| Core Deposit Ratio | 93.11% | 93.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security First Bank of North Dakota | Community Bank & Trust - West Georgia |
|---|---|---|
| Headquarters City | New Salem | Lagrange |
| Headquarters State | ND | GA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 38 | 44 |
| Established | January 1, 1925 | December 15, 1984 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Security First Bank of North Dakota is reported as of June 30, 2026 and Community Bank & Trust - West Georgia as of March 31, 2026, each bank's latest call report. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Security First Bank of North Dakota profile | View full Community Bank & Trust - West Georgia profile | Browse all bank comparisons