Bank Comparison
Bank of Advance, the vs Austin County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.52% | 9.61% |
| Equity / Assets | 12.48% | 9.21% |
Profitability
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.41% | 2.58% |
| Return on Equity (ROE) | 19.89% | 27.16% |
| Net Interest Margin (NIM) | 4.76% | 4.99% |
| Yield on Earning Assets | 6.63% | 6.65% |
| Cost of Funds | 2.03% | 1.79% |
Asset quality
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| Texas Ratio | 5.88% | 1.66% |
| Non-Performing Loan Ratio | 0.71% | 0.06% |
| Non-Performing Asset Ratio | 0.71% | 0.04% |
| Net Charge-Off Ratio | 0.19% | 0.00% |
| ACL / Loans | 1.45% | 1.75% |
Balance sheet
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| Total Assets | $510,463K | $510,715K |
| Total Deposits | $440,221K | $459,520K |
| Total Loans | $402,096K | $368,690K |
| Total Equity | $63,682K | $47,061K |
| Net Income (quarter) | $3,101K | $3,210K |
Liquidity & funding
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.34% | 80.23% |
| Core Deposit Ratio | 88.57% | 87.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Advance, the | Austin County State Bank |
|---|---|---|
| Headquarters City | ADVANCE | BELLVILLE |
| Headquarters State | MO | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 81 | 64 |
| Established | Jan. 30, 1902, midnight | June 26, 2007, 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.
View full Bank of Advance, the profile | View full Austin County State Bank profile | Browse all bank comparisons