Bank Comparison
Central Bank vs First Texas Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| CET1 Ratio | 13.31% | 19.75% |
| Tier 1 Capital Ratio | 13.31% | 19.75% |
| Total Capital Ratio | 14.39% | 20.16% |
| Tier 1 Leverage Ratio | 10.08% | 11.14% |
| Equity / Assets | 9.31% | 10.86% |
Profitability
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 1.79% |
| Return on Equity (ROE) | 19.68% | 16.18% |
| Net Interest Margin (NIM) | 4.63% | 3.64% |
| Yield on Earning Assets | 6.42% | 4.37% |
| Cost of Funds | 1.92% | 0.80% |
Asset quality
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| Texas Ratio | 1.69% | 3.50% |
| Non-Performing Loan Ratio | 0.04% | 0.06% |
| Non-Performing Asset Ratio | 0.17% | 0.39% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.99% | 0.50% |
Balance sheet
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| Total Assets | $1,347M | $1,329M |
| Total Deposits | $1,209M | $1,178M |
| Total Loans | $1,026M | $585,782K |
| Total Equity | $125,400K | $144,351K |
| Net Income (quarter) | $6,133K | $5,828K |
Liquidity & funding
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.86% | 49.71% |
| Core Deposit Ratio | 92.49% | 92.99% |
| Uninsured Deposit Ratio | 45.14% | 27.38% |
Identity
| Metric | Central Bank | First Texas Bank |
|---|---|---|
| Headquarters City | HOUSTON | GEORGETOWN |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 16340 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 11 |
| Employees (FTE) | 160 | 122 |
| Established | June 19, 1974, midnight | Jan. 1, 1898, 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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