Bank Comparison
Sloan State Bank vs North Cambridge Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| CET1 Ratio | — | 63.29% |
| Tier 1 Capital Ratio | — | 63.29% |
| Total Capital Ratio | — | 64.54% |
| Tier 1 Leverage Ratio | 11.93% | 28.49% |
| Equity / Assets | 5.61% | 28.73% |
Profitability
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 1.41% | -0.95% |
| Return on Equity (ROE) | 21.54% | -3.12% |
| Net Interest Margin (NIM) | 3.22% | 3.01% |
| Yield on Earning Assets | 4.22% | 3.99% |
| Cost of Funds | 0.96% | 1.30% |
Asset quality
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Texas Ratio | 9.63% | 0.00% |
| Non-Performing Loan Ratio | 1.66% | 0.00% |
| Non-Performing Asset Ratio | 0.57% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.30% | 0.92% |
Balance sheet
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Total Assets | $86,658K | $86,398K |
| Total Deposits | $81,635K | $60,021K |
| Total Loans | $25,823K | $46,963K |
| Total Equity | $4,858K | $24,821K |
| Net Income (quarter) | $260 | $-195 |
Liquidity & funding
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 31.63% | 78.24% |
| Core Deposit Ratio | 99.31% | 89.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sloan State Bank | North Cambridge Co-operative Bank |
|---|---|---|
| Headquarters City | SLOAN | CAMBRIDGE |
| Headquarters State | IA | MA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 10 | 9 |
| Established | Oct. 19, 1889, midnight | Jan. 1, 1912, 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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