Bank Comparison
American National Bank of Minnesota vs Seamens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| CET1 Ratio | 12.86% | — |
| Tier 1 Capital Ratio | 12.86% | — |
| Total Capital Ratio | 14.11% | — |
| Tier 1 Leverage Ratio | 10.49% | 12.42% |
| Equity / Assets | 10.49% | 12.40% |
Profitability
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 0.72% |
| Return on Equity (ROE) | 13.18% | 5.88% |
| Net Interest Margin (NIM) | 3.79% | 3.88% |
| Yield on Earning Assets | 6.24% | 5.24% |
| Cost of Funds | 2.83% | 1.50% |
Asset quality
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| Texas Ratio | 10.53% | 2.01% |
| Non-Performing Loan Ratio | 1.36% | 0.34% |
| Non-Performing Asset Ratio | 1.22% | 0.26% |
| Net Charge-Off Ratio | 0.01% | -0.02% |
| ACL / Loans | 1.27% | 0.60% |
Balance sheet
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| Total Assets | $469,591K | $469,291K |
| Total Deposits | $340,534K | $404,711K |
| Total Loans | $406,762K | $359,711K |
| Total Equity | $49,273K | $58,187K |
| Net Income (quarter) | $1,623K | $853 |
Liquidity & funding
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 119.45% | 88.88% |
| Core Deposit Ratio | 93.03% | 87.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American National Bank of Minnesota | Seamens Bank |
|---|---|---|
| Headquarters City | BAXTER | PROVINCETOWN |
| Headquarters State | MN | MA |
| Asset Tier | Small | Small |
| Charter Class | 24219 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 10 | 5 |
| Employees (FTE) | 73 | 72 |
| Established | May 1, 1983, midnight | April 14, 1851, 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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