Bank Comparison
Tri-county Bank vs Community Bank of Pickens County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| CET1 Ratio | — | 19.57% |
| Tier 1 Capital Ratio | — | 19.57% |
| Total Capital Ratio | — | 20.79% |
| Tier 1 Leverage Ratio | 13.45% | 13.64% |
| Equity / Assets | 12.35% | 13.51% |
Profitability
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| Return on Assets (ROA) | 2.25% | 2.28% |
| Return on Equity (ROE) | 18.18% | 17.12% |
| Net Interest Margin (NIM) | 4.96% | 4.49% |
| Yield on Earning Assets | 6.45% | 6.32% |
| Cost of Funds | 1.66% | 2.08% |
Asset quality
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| Texas Ratio | 8.23% | 12.16% |
| Non-Performing Loan Ratio | 1.37% | 2.27% |
| Non-Performing Asset Ratio | 1.06% | 1.71% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.08% | 1.14% |
Balance sheet
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| Total Assets | $638,709K | $639,338K |
| Total Deposits | $548,701K | $548,297K |
| Total Loans | $495,670K | $473,836K |
| Total Equity | $78,879K | $86,404K |
| Net Income (quarter) | $3,525K | $3,624K |
Liquidity & funding
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| Loan-to-Deposit Ratio | 90.34% | 86.42% |
| Core Deposit Ratio | 96.07% | 85.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tri-county Bank | Community Bank of Pickens County |
|---|---|---|
| Headquarters City | BROWN CITY | JASPER |
| Headquarters State | MI | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 12 | 2 |
| Employees (FTE) | 83 | 66 |
| Established | May 29, 1889, midnight | Oct. 2, 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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