Bank Comparison
Tri-county Trust Company vs Community Bank of Memphis
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.84% | 12.57% |
| Equity / Assets | 11.50% | 13.49% |
Profitability
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 1.03% |
| Return on Equity (ROE) | 11.76% | 7.64% |
| Net Interest Margin (NIM) | 4.52% | 3.26% |
| Yield on Earning Assets | 6.25% | 4.54% |
| Cost of Funds | 1.95% | 1.40% |
Asset quality
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| Texas Ratio | 17.54% | 0.00% |
| Non-Performing Loan Ratio | 2.84% | 0.00% |
| Non-Performing Asset Ratio | 1.94% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.46% | 2.99% |
Balance sheet
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| Total Assets | $60,471K | $61,450K |
| Total Deposits | $50,645K | $52,922K |
| Total Loans | $41,472K | $24,902K |
| Total Equity | $6,956K | $8,291K |
| Net Income (quarter) | $215 | $160 |
Liquidity & funding
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| Loan-to-Deposit Ratio | 81.89% | 47.05% |
| Core Deposit Ratio | 91.47% | 94.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tri-county Trust Company | Community Bank of Memphis |
|---|---|---|
| Headquarters City | GLASGOW | MEMPHIS |
| Headquarters State | MO | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 8 |
| Established | Jan. 1, 1921, midnight | March 20, 1999, 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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