Bank Comparison
Bank of South Texas vs First National Bank of Eagle Lake, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.57% | 11.35% |
| Equity / Assets | 18.29% | 10.91% |
Profitability
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 1.37% |
| Return on Equity (ROE) | 4.66% | 12.54% |
| Net Interest Margin (NIM) | 6.70% | 4.72% |
| Yield on Earning Assets | 8.45% | 5.69% |
| Cost of Funds | 1.94% | 0.98% |
Asset quality
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Texas Ratio | 0.71% | 11.34% |
| Non-Performing Loan Ratio | 0.00% | 2.38% |
| Non-Performing Asset Ratio | 0.00% | 1.36% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.23% | 1.93% |
Balance sheet
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Total Assets | $170,561K | $170,691K |
| Total Deposits | $137,765K | $151,347K |
| Total Loans | $117,713K | $97,952K |
| Total Equity | $31,188K | $18,629K |
| Net Income (quarter) | $362 | $577 |
Liquidity & funding
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Loan-to-Deposit Ratio | 85.44% | 64.72% |
| Core Deposit Ratio | 77.32% | 91.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of South Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Headquarters City | MCALLEN | EAGLE LAKE |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 7534 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 70 | 27 |
| Established | July 8, 1986, midnight | Dec. 30, 1904, 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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