Bank Comparison
Armor Bank vs First State Bank, the
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 | Armor Bank | First State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.32% | 12.54% |
| Equity / Assets | 8.52% | 10.54% |
Profitability
| Metric | Armor Bank | First State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 1.77% |
| Return on Equity (ROE) | 9.41% | 17.75% |
| Net Interest Margin (NIM) | 3.86% | 4.08% |
| Yield on Earning Assets | 5.91% | 5.55% |
| Cost of Funds | 2.06% | 1.58% |
Asset quality
| Metric | Armor Bank | First State Bank, the |
|---|---|---|
| Texas Ratio | 0.00% | 1.45% |
| Non-Performing Loan Ratio | 0.00% | 0.14% |
| Non-Performing Asset Ratio | 0.00% | 0.09% |
| Net Charge-Off Ratio | 0.00% | 0.19% |
| ACL / Loans | 1.27% | 1.79% |
Balance sheet
| Metric | Armor Bank | First State Bank, the |
|---|---|---|
| Total Assets | $499,538K | $498,476K |
| Total Deposits | $454,741K | $430,733K |
| Total Loans | $371,597K | $293,245K |
| Total Equity | $42,570K | $52,545K |
| Net Income (quarter) | $992 | $2,302K |
Liquidity & funding
| Metric | Armor Bank | First State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 81.72% | 68.08% |
| Core Deposit Ratio | 86.46% | 91.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Armor Bank | First State Bank, the |
|---|---|---|
| Headquarters City | FORREST CITY | NORTON |
| Headquarters State | AR | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 5 |
| Employees (FTE) | 74 | 68 |
| Established | Jan. 1, 1919, midnight | April 21, 1902, 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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