Bank Comparison
Bank of Ann Arbor vs Red River Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| CET1 Ratio | 13.54% | 17.09% |
| Tier 1 Capital Ratio | 13.54% | 17.09% |
| Total Capital Ratio | 14.69% | 18.12% |
| Tier 1 Leverage Ratio | 12.86% | 12.00% |
| Equity / Assets | 14.45% | 10.88% |
Profitability
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.44% |
| Return on Equity (ROE) | 13.28% | 13.63% |
| Net Interest Margin (NIM) | 4.39% | 3.53% |
| Yield on Earning Assets | 5.85% | 4.85% |
| Cost of Funds | 1.59% | 1.45% |
Asset quality
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| Texas Ratio | 2.42% | 1.60% |
| Non-Performing Loan Ratio | 0.35% | 0.26% |
| Non-Performing Asset Ratio | 0.32% | 0.18% |
| Net Charge-Off Ratio | 0.05% | 0.02% |
| ACL / Loans | 1.22% | 1.06% |
Balance sheet
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| Total Assets | $3,329M | $3,345M |
| Total Deposits | $2,738M | $2,954M |
| Total Loans | $2,699M | $2,258M |
| Total Equity | $481,038K | $364,050K |
| Net Income (quarter) | $15,886K | $12,268K |
Liquidity & funding
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.61% | 76.44% |
| Core Deposit Ratio | 94.44% | 93.07% |
| Uninsured Deposit Ratio | 43.79% | 31.69% |
Identity
| Metric | Bank of Ann Arbor | Red River Bank |
|---|---|---|
| Headquarters City | ANN ARBOR | ALEXANDRIA |
| Headquarters State | MI | LA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 19 | 29 |
| Employees (FTE) | 317 | 381 |
| Established | Jan. 16, 1996, midnight | Jan. 14, 1999, 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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