Bank Comparison
Elderton State Bank vs American National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| CET1 Ratio | — | 17.72% |
| Tier 1 Capital Ratio | — | 17.72% |
| Total Capital Ratio | — | 18.32% |
| Tier 1 Leverage Ratio | 12.18% | 14.69% |
| Equity / Assets | 11.84% | 12.59% |
Profitability
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.74% | 0.83% |
| Return on Equity (ROE) | 14.79% | 6.46% |
| Net Interest Margin (NIM) | 3.74% | 2.89% |
| Yield on Earning Assets | 6.02% | 5.10% |
| Cost of Funds | 2.48% | 2.48% |
Asset quality
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| Texas Ratio | 5.18% | 0.00% |
| Non-Performing Loan Ratio | 0.73% | 0.00% |
| Non-Performing Asset Ratio | 0.61% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.26% | 0.66% |
Balance sheet
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| Total Assets | $452,074K | $452,431K |
| Total Deposits | $357,265K | $387,449K |
| Total Loans | $382,190K | $317,292K |
| Total Equity | $53,514K | $56,950K |
| Net Income (quarter) | $1,944K | $900 |
Liquidity & funding
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 106.98% | 81.89% |
| Core Deposit Ratio | 86.90% | 89.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Elderton State Bank | American National Bank |
|---|---|---|
| Headquarters City | ELDERTON | Oakland Park |
| Headquarters State | PA | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 18613 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 55 | 29 |
| Established | Oct. 1, 1919, midnight | Oct. 15, 1985, 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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