Bank Comparison
The Northumberland National Bank vs County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 17
winning metrics across 22 comparable rows
Capital adequacy
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| CET1 Ratio | 15.92% | 18.94% |
| Tier 1 Capital Ratio | 15.92% | 18.94% |
| Total Capital Ratio | 16.88% | 19.78% |
| Tier 1 Leverage Ratio | 9.86% | 15.36% |
| Equity / Assets | 8.53% | 14.12% |
Profitability
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| Return on Assets (ROA) | 0.72% | 3.27% |
| Return on Equity (ROE) | 8.81% | 23.64% |
| Net Interest Margin (NIM) | 2.76% | 5.23% |
| Yield on Earning Assets | 4.57% | 6.37% |
| Cost of Funds | 1.93% | 1.31% |
Asset quality
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| Texas Ratio | 1.36% | 1.29% |
| Non-Performing Loan Ratio | 0.15% | 0.26% |
| Non-Performing Asset Ratio | 0.10% | 0.19% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.87% | 0.88% |
Balance sheet
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| Total Assets | $684,477K | $684,818K |
| Total Deposits | $603,672K | $567,932K |
| Total Loans | $446,289K | $505,761K |
| Total Equity | $58,381K | $96,720K |
| Net Income (quarter) | $1,259K | $5,591K |
Liquidity & funding
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.93% | 89.05% |
| Core Deposit Ratio | 90.96% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Northumberland National Bank | County Bank |
|---|---|---|
| Headquarters City | Northumberland | REHOBOTH BEACH |
| Headquarters State | PA | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 7005 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 93 | 89 |
| Established | Nov. 2, 1903, midnight | July 9, 1990, 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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