Bank Comparison
Adams Community Bank vs United Texas Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| CET1 Ratio | 16.09% | — |
| Tier 1 Capital Ratio | 16.09% | — |
| Total Capital Ratio | 16.89% | — |
| Tier 1 Leverage Ratio | 10.14% | 15.75% |
| Equity / Assets | 10.43% | 16.25% |
Profitability
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| Return on Assets (ROA) | 0.48% | 0.24% |
| Return on Equity (ROE) | 4.60% | 1.51% |
| Net Interest Margin (NIM) | 2.61% | 2.44% |
| Yield on Earning Assets | 4.52% | 5.28% |
| Cost of Funds | 2.05% | 3.30% |
Asset quality
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| Texas Ratio | 3.42% | 7.68% |
| Non-Performing Loan Ratio | 0.43% | 0.06% |
| Non-Performing Asset Ratio | 0.35% | 1.30% |
| Net Charge-Off Ratio | 0.00% | -0.62% |
| ACL / Loans | 0.61% | 1.10% |
Balance sheet
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| Total Assets | $1,025M | $1,023M |
| Total Deposits | $826,777K | $761,661K |
| Total Loans | $837,737K | $645,567K |
| Total Equity | $106,908K | $166,411K |
| Net Income (quarter) | $1,226K | $637 |
Liquidity & funding
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.33% | 84.76% |
| Core Deposit Ratio | 89.21% | 93.62% |
| Uninsured Deposit Ratio | 41.23% | 31.28% |
Identity
| Metric | Adams Community Bank | United Texas Bank |
|---|---|---|
| Headquarters City | ADAMS | DALLAS |
| Headquarters State | MA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 120 | 86 |
| Established | May 1, 1869, midnight | April 7, 1986, 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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