Bank Comparison
American National Bank vs Paradise Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| CET1 Ratio | 17.72% | 12.12% |
| Tier 1 Capital Ratio | 17.72% | 12.12% |
| Total Capital Ratio | 18.32% | 13.11% |
| Tier 1 Leverage Ratio | 14.69% | 8.11% |
| Equity / Assets | 12.59% | 6.47% |
Profitability
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 1.93% |
| Return on Equity (ROE) | 6.46% | 28.70% |
| Net Interest Margin (NIM) | 2.89% | 4.70% |
| Yield on Earning Assets | 5.10% | 6.45% |
| Cost of Funds | 2.48% | 1.77% |
Asset quality
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.87% |
| Non-Performing Loan Ratio | 0.00% | 0.09% |
| Non-Performing Asset Ratio | 0.00% | 0.06% |
| Net Charge-Off Ratio | 0.00% | 0.20% |
| ACL / Loans | 0.66% | 1.00% |
Balance sheet
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| Total Assets | $452,431K | $444,871K |
| Total Deposits | $387,449K | $413,051K |
| Total Loans | $317,292K | $301,852K |
| Total Equity | $56,950K | $28,792K |
| Net Income (quarter) | $900 | $2,182K |
Liquidity & funding
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.89% | 73.08% |
| Core Deposit Ratio | 89.57% | 91.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American National Bank | Paradise Bank |
|---|---|---|
| Headquarters City | Oakland Park | BOCA RATON |
| Headquarters State | FL | FL |
| Asset Tier | Small | Small |
| Charter Class | 18613 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 29 | 51 |
| Established | Oct. 15, 1985, midnight | July 25, 2005, 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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