How profitable a bank is affects its safety and soundness. A bank can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, likely making the bank better able to withstand economic trouble. Obviously, banks that are losing money are less able to do those things.
On Bankrate's test of earnings, The First National Bank of Cunningham scored 18 out of a possible 30, above the national average of 15.12.
One important way to measure a bank's earnings is return on equity, or net income (profit, essentially) divided by total equity. The First National Bank of Cunningham's most recent annualized quarterly return on equity was 8.48 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $313,000 on total equity of $3.7 million. The bank reported an annualized return on average assets, or ROA, of 1.00 percent, right at the level deemed satisfactory in accordance with industry standards, and equal to the average for U.S. banks of 1.00 percent.