Bank Comparison
Sugar River Bank vs Bank of Franklin County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.07% | 9.54% |
| Equity / Assets | 11.50% | 8.87% |
Profitability
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| Return on Assets (ROA) | 0.63% | 0.71% |
| Return on Equity (ROE) | 5.50% | 8.10% |
| Net Interest Margin (NIM) | 3.65% | 3.61% |
| Yield on Earning Assets | 4.69% | 5.73% |
| Cost of Funds | 1.16% | 2.23% |
Asset quality
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| Texas Ratio | 2.18% | 4.38% |
| Non-Performing Loan Ratio | 0.37% | 0.24% |
| Non-Performing Asset Ratio | 0.26% | 0.34% |
| Net Charge-Off Ratio | 0.08% | 0.00% |
| ACL / Loans | 0.58% | 1.24% |
Balance sheet
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| Total Assets | $416,530K | $416,446K |
| Total Deposits | $358,355K | $349,565K |
| Total Loans | $286,227K | $343,479K |
| Total Equity | $47,916K | $36,938K |
| Net Income (quarter) | $656 | $744 |
Liquidity & funding
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| Loan-to-Deposit Ratio | 79.87% | 98.26% |
| Core Deposit Ratio | 90.90% | 93.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sugar River Bank | Bank of Franklin County |
|---|---|---|
| Headquarters City | NEWPORT | WASHINGTON |
| Headquarters State | NH | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 74 | 76 |
| Established | Jan. 1, 1895, midnight | Aug. 28, 2000, 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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