Bank Comparison
Unified Bank vs Cnb ST. Louis Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| CET1 Ratio | 12.40% | 10.42% |
| Tier 1 Capital Ratio | 12.40% | 10.42% |
| Total Capital Ratio | 13.07% | 11.68% |
| Tier 1 Leverage Ratio | 9.17% | 8.96% |
| Equity / Assets | 8.38% | 7.33% |
Profitability
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 1.36% |
| Return on Equity (ROE) | 15.33% | 18.91% |
| Net Interest Margin (NIM) | 3.64% | 3.41% |
| Yield on Earning Assets | 5.25% | 5.59% |
| Cost of Funds | 1.60% | 2.37% |
Asset quality
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| Texas Ratio | 12.09% | 5.25% |
| Non-Performing Loan Ratio | 1.31% | 0.48% |
| Non-Performing Asset Ratio | 1.06% | 0.39% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 0.85% | 1.79% |
Balance sheet
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| Total Assets | $852,639K | $852,685K |
| Total Deposits | $681,380K | $732,893K |
| Total Loans | $500,151K | $689,720K |
| Total Equity | $71,431K | $62,494K |
| Net Income (quarter) | $2,784K | $2,922K |
Liquidity & funding
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.40% | 94.11% |
| Core Deposit Ratio | 93.44% | 92.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Unified Bank | Cnb ST. Louis Bank |
|---|---|---|
| Headquarters City | MARTINS FERRY | MAPLEWOOD |
| Headquarters State | OH | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 19 | 6 |
| Employees (FTE) | 126 | 87 |
| Established | Jan. 1, 1902, midnight | Jan. 1, 1915, 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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