Bank Comparison
Wnb Financial, N.A. vs Commercial Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.54% | 11.56% |
| Equity / Assets | 10.33% | 11.20% |
Profitability
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 2.06% |
| Return on Equity (ROE) | 7.99% | 17.90% |
| Net Interest Margin (NIM) | 3.37% | 4.43% |
| Yield on Earning Assets | 4.68% | 6.94% |
| Cost of Funds | 1.35% | 2.68% |
Asset quality
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| Texas Ratio | 2.42% | 26.68% |
| Non-Performing Loan Ratio | 0.34% | 3.13% |
| Non-Performing Asset Ratio | 0.21% | 2.47% |
| Net Charge-Off Ratio | -0.01% | 0.44% |
| ACL / Loans | 1.25% | 1.05% |
Balance sheet
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| Total Assets | $569,960K | $569,558K |
| Total Deposits | $499,935K | $447,760K |
| Total Loans | $345,233K | $443,256K |
| Total Equity | $58,900K | $63,767K |
| Net Income (quarter) | $1,174K | $2,792K |
Liquidity & funding
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.06% | 98.99% |
| Core Deposit Ratio | 94.16% | 76.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wnb Financial, N.A. | Commercial Capital Bank |
|---|---|---|
| Headquarters City | WINONA | DELHI |
| Headquarters State | MN | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 10865 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 8 |
| Employees (FTE) | 100 | 59 |
| Established | Jan. 1, 1874, midnight | Feb. 22, 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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