Bank Comparison
F & C Bank vs New Era Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.73% | 13.88% |
| Equity / Assets | 10.64% | 13.95% |
Profitability
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| Return on Assets (ROA) | 2.34% | 2.41% |
| Return on Equity (ROE) | 22.20% | 16.66% |
| Net Interest Margin (NIM) | 5.42% | 4.16% |
| Yield on Earning Assets | 7.28% | 5.30% |
| Cost of Funds | 1.99% | 1.24% |
Asset quality
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| Texas Ratio | 1.95% | 2.73% |
| Non-Performing Loan Ratio | 0.26% | 0.02% |
| Non-Performing Asset Ratio | 0.23% | 0.37% |
| Net Charge-Off Ratio | 0.07% | 0.47% |
| ACL / Loans | 1.22% | 1.38% |
Balance sheet
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| Total Assets | $473,001K | $449,154K |
| Total Deposits | $416,642K | $384,676K |
| Total Loans | $414,068K | $254,316K |
| Total Equity | $50,343K | $62,651K |
| Net Income (quarter) | $2,741K | $2,608K |
Liquidity & funding
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.38% | 66.11% |
| Core Deposit Ratio | 95.45% | 93.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | F & C Bank | New Era Bank |
|---|---|---|
| Headquarters City | HOLDEN | FREDERICKTOWN |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 8 |
| Employees (FTE) | 62 | 66 |
| Established | March 24, 1881, midnight | Jan. 1, 1934, 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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