Bank Comparison
Auburnbank vs First Metro 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 | Auburnbank | First Metro Bank |
|---|---|---|
| CET1 Ratio | 16.07% | — |
| Tier 1 Capital Ratio | 16.07% | — |
| Total Capital Ratio | 17.08% | — |
| Tier 1 Leverage Ratio | 10.57% | 12.70% |
| Equity / Assets | 8.85% | 10.88% |
Profitability
| Metric | Auburnbank | First Metro Bank |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 1.55% |
| Return on Equity (ROE) | 9.89% | 14.50% |
| Net Interest Margin (NIM) | 3.24% | 3.49% |
| Yield on Earning Assets | 4.32% | 5.01% |
| Cost of Funds | 1.13% | 1.70% |
Asset quality
| Metric | Auburnbank | First Metro Bank |
|---|---|---|
| Texas Ratio | 0.32% | 0.94% |
| Non-Performing Loan Ratio | 0.02% | 0.12% |
| Non-Performing Asset Ratio | 0.01% | 0.11% |
| Net Charge-Off Ratio | 0.28% | 0.40% |
| ACL / Loans | 1.16% | 1.00% |
Balance sheet
| Metric | Auburnbank | First Metro Bank |
|---|---|---|
| Total Assets | $1,026M | $1,009M |
| Total Deposits | $932,742K | $895,001K |
| Total Loans | $582,041K | $591,155K |
| Total Equity | $90,812K | $109,838K |
| Net Income (quarter) | $2,244K | $3,961K |
Liquidity & funding
| Metric | Auburnbank | First Metro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.40% | 66.05% |
| Core Deposit Ratio | 91.38% | 81.51% |
| Uninsured Deposit Ratio | 41.08% | — |
Identity
| Metric | Auburnbank | First Metro Bank |
|---|---|---|
| Headquarters City | AUBURN | MUSCLE SHOALS |
| Headquarters State | AL | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 11 |
| Employees (FTE) | 140 | 133 |
| Established | Jan. 3, 1907, midnight | Nov. 7, 1988, 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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