Bank Comparison
BancCentral, National Association vs First National Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| CET1 Ratio | 18.30% | — |
| Tier 1 Capital Ratio | 18.30% | — |
| Total Capital Ratio | 19.57% | — |
| Tier 1 Leverage Ratio | 8.76% | 11.50% |
| Equity / Assets | 3.95% | 7.47% |
Profitability
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | -2.97% | 0.54% |
| Return on Equity (ROE) | -73.50% | 7.09% |
| Net Interest Margin (NIM) | 1.96% | 3.49% |
| Yield on Earning Assets | 4.21% | 4.85% |
| Cost of Funds | 2.33% | 1.41% |
Asset quality
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| Texas Ratio | 55.03% | 2.52% |
| Non-Performing Loan Ratio | 9.19% | 0.00% |
| Non-Performing Asset Ratio | 2.96% | 0.21% |
| Net Charge-Off Ratio | -0.15% | 0.00% |
| ACL / Loans | 4.76% | 1.25% |
Balance sheet
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| Total Assets | $243,005K | $243,510K |
| Total Deposits | $230,414K | $224,326K |
| Total Loans | $72,842K | $146,560K |
| Total Equity | $9,597K | $18,194K |
| Net Income (quarter) | $-1,990 | $324 |
Liquidity & funding
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 31.61% | 65.33% |
| Core Deposit Ratio | 97.50% | 83.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | BancCentral, National Association | First National Bank and Trust |
|---|---|---|
| Headquarters City | Alva | ATMORE |
| Headquarters State | OK | AL |
| Asset Tier | Small | Small |
| Charter Class | 12152 | 10697 |
| Regulator | OCC | OCC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 59 | 46 |
| Established | Aug. 11, 1913, midnight | Jan. 1, 1915, 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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