Bank Comparison
The Big Bend Banks, N.A. dba Marfa National Bank vs Park State Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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winning metrics across 13 scored rows
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Capital adequacy
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 18.96% |
| Tier 1 Capital Ratio | — | 18.96% |
| Total Capital Ratio | — | 20.21% |
| Tier 1 Leverage Ratio | 16.58% | 11.27% |
| Equity / Assets | 12.84% | 10.06% |
Profitability
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.76% | 1.00% |
| Return on Equity (ROE) | 12.81% | 10.11% |
| Net Interest Margin (NIM) | 4.06% | 4.67% |
| Yield on Earning Assets | 4.28% | 6.10% |
| Cost of Funds | 0.25% | 1.56% |
Asset quality
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 6.49% |
| Non-Performing Loan Ratio | 0.00% | 0.05% |
| Non-Performing Asset Ratio | 0.00% | 0.71% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 2.74% | 1.16% |
Balance sheet
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| Total Assets | $162.1M | $162.3M |
| Total Deposits | $140.9M | $145.7M |
| Total Loans | $21.4M | $111.5M |
| Total Equity | $20.8M | $16.3M |
| Net Income (quarter) | $722K | $409K |
Liquidity & funding
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 15.20% | 76.53% |
| Core Deposit Ratio | 96.53% | 92.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Big Bend Banks, N.A. dba Marfa National Bank | Park State Bank & Trust |
|---|---|---|
| Headquarters City | Marfa | Woodland Park |
| Headquarters State | TX | CO |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 30 | 34 |
| Established | May 2, 1907 | March 1, 1965 |
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 September 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full The Big Bend Banks, N.A. dba Marfa National Bank profile | View full Park State Bank & Trust profile | Browse all bank comparisons