Bank Comparison
Bank of Commerce & Trust Company vs American Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.08% | 10.33% |
| Equity / Assets | 8.63% | 10.85% |
Profitability
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 0.18% |
| Return on Equity (ROE) | 2.84% | 1.61% |
| Net Interest Margin (NIM) | 2.23% | 4.96% |
| Yield on Earning Assets | 3.09% | 7.20% |
| Cost of Funds | 0.91% | 2.38% |
Asset quality
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| Texas Ratio | 0.98% | 31.91% |
| Non-Performing Loan Ratio | 0.20% | 3.62% |
| Non-Performing Asset Ratio | 0.05% | 3.47% |
| Net Charge-Off Ratio | 0.09% | 0.16% |
| ACL / Loans | 0.60% | 1.83% |
Balance sheet
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| Total Assets | $374,604K | $359,330K |
| Total Deposits | $329,825K | $317,281K |
| Total Loans | $99,676K | $239,725K |
| Total Equity | $32,342K | $39,004K |
| Net Income (quarter) | $229 | $157 |
Liquidity & funding
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 30.22% | 75.56% |
| Core Deposit Ratio | 88.52% | 79.79% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Commerce & Trust Company | American Bank |
|---|---|---|
| Headquarters City | CROWLEY | COVINGTON |
| Headquarters State | LA | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 69 | 72 |
| Established | Jan. 1, 1926, midnight | Sept. 14, 1964, 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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