Bank Comparison
Bank of Baker, the vs First National Bank in Ord
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| CET1 Ratio | — | 22.92% |
| Tier 1 Capital Ratio | — | 22.92% |
| Total Capital Ratio | — | 24.17% |
| Tier 1 Leverage Ratio | 10.77% | 11.42% |
| Equity / Assets | 11.02% | 11.26% |
Profitability
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| Return on Assets (ROA) | 1.47% | 2.16% |
| Return on Equity (ROE) | 13.69% | 19.30% |
| Net Interest Margin (NIM) | 3.88% | 3.80% |
| Yield on Earning Assets | 5.30% | 4.98% |
| Cost of Funds | 1.51% | 1.31% |
Asset quality
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| Texas Ratio | 5.26% | 1.29% |
| Non-Performing Loan Ratio | 0.76% | 0.31% |
| Non-Performing Asset Ratio | 0.62% | 0.16% |
| Net Charge-Off Ratio | 0.50% | -0.01% |
| ACL / Loans | 1.44% | 1.61% |
Balance sheet
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| Total Assets | $165,140K | $165,392K |
| Total Deposits | $145,968K | $146,523K |
| Total Loans | $88,740K | $83,454K |
| Total Equity | $18,196K | $18,623K |
| Net Income (quarter) | $615 | $884 |
Liquidity & funding
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| Loan-to-Deposit Ratio | 60.79% | 56.96% |
| Core Deposit Ratio | 93.52% | 93.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Baker, the | First National Bank in Ord |
|---|---|---|
| Headquarters City | BAKER | ORD |
| Headquarters State | MT | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 13557 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 22 | 25 |
| Established | Sept. 20, 1924, midnight | Jan. 1, 1882, 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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