Bank Comparison
Bridge City State Bank vs Bank of the Federated States of Micronesia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| CET1 Ratio | 20.34% | 49.00% |
| Tier 1 Capital Ratio | 20.34% | 49.00% |
| Total Capital Ratio | 21.24% | 50.27% |
| Tier 1 Leverage Ratio | 11.23% | 13.00% |
| Equity / Assets | 7.63% | 12.84% |
Profitability
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 1.29% |
| Return on Equity (ROE) | 13.64% | 10.39% |
| Net Interest Margin (NIM) | 3.42% | 4.15% |
| Yield on Earning Assets | 4.80% | 4.74% |
| Cost of Funds | 1.48% | 0.67% |
Asset quality
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Texas Ratio | 3.27% | 9.35% |
| Non-Performing Loan Ratio | 0.56% | 5.32% |
| Non-Performing Asset Ratio | 0.27% | 1.28% |
| Net Charge-Off Ratio | 0.00% | 0.65% |
| ACL / Loans | 1.04% | 3.46% |
Balance sheet
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Total Assets | $264,254K | $264,620K |
| Total Deposits | $218,646K | $229,687K |
| Total Loans | $125,442K | $63,563K |
| Total Equity | $20,157K | $33,977K |
| Net Income (quarter) | $699 | $881 |
Liquidity & funding
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Loan-to-Deposit Ratio | 57.37% | 27.67% |
| Core Deposit Ratio | 87.04% | 84.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bridge City State Bank | Bank of the Federated States of Micronesia |
|---|---|---|
| Headquarters City | BRIDGE CITY | POHNPEI |
| Headquarters State | TX | — |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 39 | 111 |
| Established | Feb. 27, 1960, midnight | Feb. 7, 1986, 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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