Bank Comparison
Exchange Bank vs Austin Bank, Texas N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 17
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| CET1 Ratio | 18.70% | — |
| Tier 1 Capital Ratio | 18.70% | — |
| Total Capital Ratio | 19.95% | — |
| Tier 1 Leverage Ratio | 12.34% | 15.03% |
| Equity / Assets | 10.72% | 15.09% |
Profitability
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 2.05% |
| Return on Equity (ROE) | 8.62% | 13.64% |
| Net Interest Margin (NIM) | 3.25% | 5.07% |
| Yield on Earning Assets | 4.36% | 6.30% |
| Cost of Funds | 1.16% | 1.40% |
Asset quality
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Texas Ratio | 5.32% | 3.28% |
| Non-Performing Loan Ratio | 1.16% | 0.56% |
| Non-Performing Asset Ratio | 0.62% | 0.51% |
| Net Charge-Off Ratio | 1.01% | 0.08% |
| ACL / Loans | 1.75% | 1.42% |
Balance sheet
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Total Assets | $3,266M | $3,267M |
| Total Deposits | $2,837M | $2,744M |
| Total Loans | $1,743M | $2,503M |
| Total Equity | $350,061K | $492,945K |
| Net Income (quarter) | $7,507K | $16,550K |
Liquidity & funding
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 61.43% | 91.23% |
| Core Deposit Ratio | 93.66% | 90.82% |
| Uninsured Deposit Ratio | 25.14% | 24.72% |
Identity
| Metric | Exchange Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Headquarters City | SANTA ROSA | JACKSONVILLE |
| Headquarters State | CA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 5581 |
| Regulator | FDIC | OCC |
| Domestic Branches | 21 | 39 |
| Employees (FTE) | 359 | 537 |
| Established | May 1, 1890, midnight | Oct. 1, 1900, 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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