Bank Comparison
Bank of Weston vs First National Bank USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| CET1 Ratio | 12.28% | — |
| Tier 1 Capital Ratio | 12.28% | — |
| Total Capital Ratio | 13.54% | — |
| Tier 1 Leverage Ratio | 8.64% | 13.92% |
| Equity / Assets | 8.06% | 13.94% |
Profitability
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| Return on Assets (ROA) | 1.97% | 1.72% |
| Return on Equity (ROE) | 24.38% | 12.46% |
| Net Interest Margin (NIM) | 4.57% | 4.64% |
| Yield on Earning Assets | 6.04% | 5.55% |
| Cost of Funds | 1.60% | 1.07% |
Asset quality
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| Texas Ratio | 4.23% | 0.10% |
| Non-Performing Loan Ratio | 0.50% | 0.00% |
| Non-Performing Asset Ratio | 0.37% | 0.00% |
| Net Charge-Off Ratio | -0.08% | 0.04% |
| ACL / Loans | 1.29% | 1.22% |
Balance sheet
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| Total Assets | $240,391K | $239,878K |
| Total Deposits | $220,173K | $205,131K |
| Total Loans | $178,592K | $114,503K |
| Total Equity | $19,369K | $33,448K |
| Net Income (quarter) | $1,172K | $1,030K |
Liquidity & funding
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 81.11% | 55.82% |
| Core Deposit Ratio | 92.63% | 94.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Weston | First National Bank USA |
|---|---|---|
| Headquarters City | WESTON | BOUTTE |
| Headquarters State | MO | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 16473 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 37 | 28 |
| Established | March 21, 1893, midnight | June 23, 1975, 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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