Bank Comparison
Bankhometown vs Btc Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| CET1 Ratio | 14.50% | — |
| Tier 1 Capital Ratio | 14.50% | — |
| Total Capital Ratio | 15.75% | — |
| Tier 1 Leverage Ratio | 11.36% | 10.99% |
| Equity / Assets | 11.71% | 10.60% |
Profitability
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| Return on Assets (ROA) | 1.15% | 1.25% |
| Return on Equity (ROE) | 9.80% | 11.49% |
| Net Interest Margin (NIM) | 3.67% | 4.38% |
| Yield on Earning Assets | 5.03% | 6.57% |
| Cost of Funds | 1.50% | 2.30% |
Asset quality
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| Texas Ratio | 16.84% | 8.81% |
| Non-Performing Loan Ratio | 2.64% | 0.75% |
| Non-Performing Asset Ratio | 2.04% | 0.65% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.43% | 1.06% |
Balance sheet
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| Total Assets | $1,620M | $1,618M |
| Total Deposits | $1,383M | $1,225M |
| Total Loans | $1,252M | $1,320M |
| Total Equity | $189,812K | $171,524K |
| Net Income (quarter) | $4,609K | $4,881K |
Liquidity & funding
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.53% | 107.73% |
| Core Deposit Ratio | 89.78% | 94.40% |
| Uninsured Deposit Ratio | 30.52% | 9.90% |
Identity
| Metric | Bankhometown | Btc Bank |
|---|---|---|
| Headquarters City | OXFORD | BETHANY |
| Headquarters State | MA | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 15 | 26 |
| Employees (FTE) | 150 | 242 |
| Established | Jan. 1, 1889, midnight | Sept. 19, 1919, 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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