Bank Comparison
American Bank vs First National Bank of Bangor, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.33% | 30.44% |
| Equity / Assets | 10.85% | 30.88% |
Profitability
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| Return on Assets (ROA) | 0.18% | 3.42% |
| Return on Equity (ROE) | 1.61% | 11.38% |
| Net Interest Margin (NIM) | 4.96% | 5.08% |
| Yield on Earning Assets | 7.20% | 6.52% |
| Cost of Funds | 2.38% | 1.99% |
Asset quality
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| Texas Ratio | 31.91% | 1.80% |
| Non-Performing Loan Ratio | 3.62% | 0.59% |
| Non-Performing Asset Ratio | 3.47% | 0.57% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.83% | 0.65% |
Balance sheet
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| Total Assets | $359,330K | $359,371K |
| Total Deposits | $317,281K | $223,904K |
| Total Loans | $239,725K | $317,693K |
| Total Equity | $39,004K | $110,967K |
| Net Income (quarter) | $157 | $3,112K |
Liquidity & funding
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| Loan-to-Deposit Ratio | 75.56% | 141.89% |
| Core Deposit Ratio | 79.79% | 90.88% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Bank | First National Bank of Bangor, the |
|---|---|---|
| Headquarters City | COVINGTON | BANGOR |
| Headquarters State | LA | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 13202 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 72 | 24 |
| Established | Sept. 14, 1964, midnight | July 1, 1903, 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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