Bank Comparison
American Bank, N.A. vs Oconee State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| CET1 Ratio | — | 13.39% |
| Tier 1 Capital Ratio | — | 13.39% |
| Total Capital Ratio | — | 14.64% |
| Tier 1 Leverage Ratio | 10.77% | 9.77% |
| Equity / Assets | 10.56% | 9.19% |
Profitability
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 0.72% |
| Return on Equity (ROE) | 16.72% | 7.80% |
| Net Interest Margin (NIM) | 4.86% | 4.05% |
| Yield on Earning Assets | 8.08% | 5.60% |
| Cost of Funds | 3.39% | 1.65% |
Asset quality
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| Texas Ratio | 1.75% | 11.94% |
| Non-Performing Loan Ratio | 0.26% | 1.23% |
| Non-Performing Asset Ratio | 0.19% | 0.86% |
| Net Charge-Off Ratio | 1.18% | 0.05% |
| ACL / Loans | 1.33% | 1.35% |
Balance sheet
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| Total Assets | $722,733K | $722,444K |
| Total Deposits | $611,481K | $639,720K |
| Total Loans | $549,126K | $504,597K |
| Total Equity | $76,349K | $66,417K |
| Net Income (quarter) | $3,126K | $1,298K |
Liquidity & funding
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.80% | 78.88% |
| Core Deposit Ratio | 81.09% | 94.75% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Bank, N.A. | Oconee State Bank |
|---|---|---|
| Headquarters City | DALLAS | WATKINSVILLE |
| Headquarters State | TX | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 16320 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 54 | 111 |
| Established | May 2, 1974, midnight | Feb. 1, 1960, 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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