Bank Comparison
Uwharrie Bank vs Bennington State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 19
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| CET1 Ratio | 13.31% | 15.34% |
| Tier 1 Capital Ratio | 14.61% | 15.34% |
| Total Capital Ratio | 15.42% | 16.60% |
| Tier 1 Leverage Ratio | 9.76% | 10.83% |
| Equity / Assets | 8.14% | 10.20% |
Profitability
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 2.40% |
| Return on Equity (ROE) | 13.78% | 23.10% |
| Net Interest Margin (NIM) | 3.40% | 3.93% |
| Yield on Earning Assets | 4.90% | 5.67% |
| Cost of Funds | 1.62% | 1.88% |
Asset quality
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| Texas Ratio | 1.25% | 1.82% |
| Non-Performing Loan Ratio | 0.19% | 0.13% |
| Non-Performing Asset Ratio | 0.11% | 0.08% |
| Net Charge-Off Ratio | -0.04% | -0.01% |
| ACL / Loans | 0.92% | 2.14% |
Balance sheet
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| Total Assets | $1,247M | $1,249M |
| Total Deposits | $1,134M | $1,056M |
| Total Loans | $697,281K | $828,208K |
| Total Equity | $101,596K | $127,540K |
| Net Income (quarter) | $3,471K | $7,288K |
Liquidity & funding
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 61.46% | 78.41% |
| Core Deposit Ratio | 88.34% | 95.79% |
| Uninsured Deposit Ratio | 41.44% | 37.97% |
Identity
| Metric | Uwharrie Bank | Bennington State Bank, the |
|---|---|---|
| Headquarters City | ALBEMARLE | SALINA |
| Headquarters State | NC | KS |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 15 |
| Employees (FTE) | 174 | 147 |
| Established | Jan. 26, 1984, midnight | Jan. 1, 1884, 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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