Bank Comparison
State Bank of Cochran vs Bank of the Federated States of Micronesia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| CET1 Ratio | 15.28% | 49.00% |
| Tier 1 Capital Ratio | 15.28% | 49.00% |
| Total Capital Ratio | 16.57% | 50.27% |
| Tier 1 Leverage Ratio | 8.14% | 13.00% |
| Equity / Assets | 8.13% | 12.84% |
Profitability
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| Return on Assets (ROA) | 3.48% | 1.29% |
| Return on Equity (ROE) | 28.69% | 10.39% |
| Net Interest Margin (NIM) | 6.19% | 4.15% |
| Yield on Earning Assets | 7.01% | 4.74% |
| Cost of Funds | 0.94% | 0.67% |
Asset quality
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| Texas Ratio | 8.45% | 9.35% |
| Non-Performing Loan Ratio | 1.43% | 5.32% |
| Non-Performing Asset Ratio | 0.85% | 1.28% |
| Net Charge-Off Ratio | 0.01% | 0.65% |
| ACL / Loans | 3.29% | 3.46% |
Balance sheet
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| Total Assets | $264,596K | $264,620K |
| Total Deposits | $240,452K | $229,687K |
| Total Loans | $156,148K | $63,563K |
| Total Equity | $21,521K | $33,977K |
| Net Income (quarter) | $2,301K | $881 |
Liquidity & funding
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| Loan-to-Deposit Ratio | 64.94% | 27.67% |
| Core Deposit Ratio | 94.64% | 84.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Cochran | Bank of the Federated States of Micronesia |
|---|---|---|
| Headquarters City | Cochran | POHNPEI |
| Headquarters State | GA | — |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 48 | 111 |
| Established | Jan. 5, 1922, midnight | Feb. 7, 1986, 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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