Bank Comparison
State Central Bank vs First National Bank in Frankfort
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.10% | 10.57% |
| Equity / Assets | 16.96% | 5.98% |
Profitability
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| Return on Assets (ROA) | 1.60% | 0.78% |
| Return on Equity (ROE) | 9.34% | 12.94% |
| Net Interest Margin (NIM) | 4.93% | 3.34% |
| Yield on Earning Assets | 6.70% | 4.80% |
| Cost of Funds | 1.96% | 1.57% |
Asset quality
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| Texas Ratio | 3.96% | 4.30% |
| Non-Performing Loan Ratio | 1.09% | 0.58% |
| Non-Performing Asset Ratio | 0.63% | 0.29% |
| Net Charge-Off Ratio | 0.14% | -0.03% |
| ACL / Loans | 2.01% | 1.48% |
Balance sheet
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| Total Assets | $61,524K | $61,698K |
| Total Deposits | $47,850K | $57,608K |
| Total Loans | $35,232K | $30,437K |
| Total Equity | $10,436K | $3,690K |
| Net Income (quarter) | $243 | $122 |
Liquidity & funding
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| Loan-to-Deposit Ratio | 73.63% | 52.83% |
| Core Deposit Ratio | 98.15% | 91.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Central Bank | First National Bank in Frankfort |
|---|---|---|
| Headquarters City | BONAPARTE | FRANKFORT |
| Headquarters State | IA | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 11916 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 24 | 8 |
| Established | March 17, 1858, midnight | March 2, 1921, 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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