Bank Comparison
Crews Bank & Trust vs First County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
20 · 1
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| CET1 Ratio | — | 12.69% |
| Tier 1 Capital Ratio | — | 12.69% |
| Total Capital Ratio | — | 13.80% |
| Tier 1 Leverage Ratio | 10.55% | 9.56% |
| Equity / Assets | 10.32% | 7.86% |
Profitability
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| Return on Assets (ROA) | 1.78% | 0.25% |
| Return on Equity (ROE) | 17.03% | 3.07% |
| Net Interest Margin (NIM) | 3.72% | 2.39% |
| Yield on Earning Assets | 4.97% | 4.66% |
| Cost of Funds | 1.37% | 2.33% |
Asset quality
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| Texas Ratio | 0.20% | 2.57% |
| Non-Performing Loan Ratio | 0.04% | 0.29% |
| Non-Performing Asset Ratio | 0.02% | 0.22% |
| Net Charge-Off Ratio | 0.02% | 0.07% |
| ACL / Loans | 1.97% | 1.03% |
Balance sheet
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| Total Assets | $2,364M | $2,359M |
| Total Deposits | $2,110M | $1,770M |
| Total Loans | $1,305M | $1,805M |
| Total Equity | $243,884K | $185,486K |
| Net Income (quarter) | $10,296K | $1,414K |
Liquidity & funding
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.84% | 101.95% |
| Core Deposit Ratio | 96.70% | 87.64% |
| Uninsured Deposit Ratio | 19.89% | 25.43% |
Identity
| Metric | Crews Bank & Trust | First County Bank |
|---|---|---|
| Headquarters City | WAUCHULA | STAMFORD |
| Headquarters State | FL | CT |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 20 | 14 |
| Employees (FTE) | 356 | 192 |
| Established | April 1, 1929, midnight | June 20, 1851, 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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