Bank Comparison
Ffb Bank vs US Metro Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| CET1 Ratio | 16.02% | 12.80% |
| Tier 1 Capital Ratio | 16.02% | 12.80% |
| Total Capital Ratio | 17.27% | 14.05% |
| Tier 1 Leverage Ratio | 12.73% | 10.61% |
| Equity / Assets | 11.77% | 10.16% |
Profitability
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.03% |
| Return on Equity (ROE) | 9.66% | 10.03% |
| Net Interest Margin (NIM) | 4.88% | 3.29% |
| Yield on Earning Assets | 5.97% | 5.94% |
| Cost of Funds | 1.21% | 2.91% |
Asset quality
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| Texas Ratio | 27.90% | 13.94% |
| Non-Performing Loan Ratio | 4.60% | 1.62% |
| Non-Performing Asset Ratio | 3.58% | 1.56% |
| Net Charge-Off Ratio | 0.23% | 0.27% |
| ACL / Loans | 1.39% | 1.27% |
Balance sheet
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| Total Assets | $1,571M | $1,563M |
| Total Deposits | $1,345M | $1,362M |
| Total Loans | $1,225M | $1,302M |
| Total Equity | $184,942K | $158,805K |
| Net Income (quarter) | $4,896K | $3,949K |
Liquidity & funding
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.02% | 95.60% |
| Core Deposit Ratio | 90.65% | 66.35% |
| Uninsured Deposit Ratio | 52.11% | 45.40% |
Identity
| Metric | Ffb Bank | US Metro Bank |
|---|---|---|
| Headquarters City | FRESNO | GARDEN GROVE |
| Headquarters State | CA | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 11 |
| Employees (FTE) | 199 | 202 |
| Established | Dec. 23, 2005, midnight | Sept. 15, 2006, 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.
View full Ffb Bank profile | View full US Metro Bank profile | Browse all bank comparisons