Bank Comparison
The Culbertson Bank vs Preferred Legacy National Trust Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 7
winning metrics across 12 comparable rows
Capital adequacy
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| CET1 Ratio | — | 92.21% |
| Tier 1 Capital Ratio | — | 92.21% |
| Total Capital Ratio | — | 92.21% |
| Tier 1 Leverage Ratio | 18.63% | 94.99% |
| Equity / Assets | 19.17% | 92.21% |
Profitability
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| Return on Assets (ROA) | -1.00% | 13.51% |
| Return on Equity (ROE) | -5.29% | 14.99% |
| Net Interest Margin (NIM) | 5.32% | 3.38% |
| Yield on Earning Assets | 6.72% | 3.38% |
| Cost of Funds | 1.53% | — |
Asset quality
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.98% | — |
Balance sheet
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| Total Assets | $11,363K | $10,613K |
| Total Deposits | $9,168K | $0 |
| Total Loans | $5,720K | $0 |
| Total Equity | $2,178K | $9,786K |
| Net Income (quarter) | $-29 | $348 |
Liquidity & funding
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 62.39% | — |
| Core Deposit Ratio | 100.00% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Culbertson Bank | Preferred Legacy National Trust Bank, the |
|---|---|---|
| Headquarters City | Culbertson | CANTON |
| Headquarters State | NE | OH |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 4 | 15 |
| Established | Sept. 1, 1886, 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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