Bank Comparison
Ambler Savings Bank vs First State Bank of Dequeen
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| CET1 Ratio | 21.88% | — |
| Tier 1 Capital Ratio | 21.88% | — |
| Total Capital Ratio | 22.72% | — |
| Tier 1 Leverage Ratio | 14.03% | 8.43% |
| Equity / Assets | 11.74% | 6.48% |
Profitability
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 1.51% |
| Return on Equity (ROE) | 5.10% | 21.76% |
| Net Interest Margin (NIM) | 2.76% | 3.31% |
| Yield on Earning Assets | 4.45% | 6.20% |
| Cost of Funds | 1.89% | 3.04% |
Asset quality
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| Texas Ratio | 1.97% | 9.14% |
| Non-Performing Loan Ratio | 0.34% | 1.15% |
| Non-Performing Asset Ratio | 0.23% | 0.66% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.82% | 1.36% |
Balance sheet
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| Total Assets | $516,761K | $516,607K |
| Total Deposits | $439,866K | $470,654K |
| Total Loans | $340,557K | $288,398K |
| Total Equity | $60,692K | $33,465K |
| Net Income (quarter) | $774 | $1,935K |
Liquidity & funding
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| Loan-to-Deposit Ratio | 77.42% | 61.28% |
| Core Deposit Ratio | 93.88% | 73.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ambler Savings Bank | First State Bank of Dequeen |
|---|---|---|
| Headquarters City | AMBLER | DE QUEEN |
| Headquarters State | PA | AR |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 59 | 65 |
| Established | Jan. 1, 1899, midnight | Nov. 1, 1974, 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 March 31, 2026. 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.
View full Ambler Savings Bank profile | View full First State Bank of Dequeen profile | Browse all bank comparisons