Bank Comparison
First Bank vs Twin Cedars Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 3
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| CET1 Ratio | 25.41% | 13.55% |
| Tier 1 Capital Ratio | 25.41% | 13.55% |
| Total Capital Ratio | 26.68% | 14.82% |
| Tier 1 Leverage Ratio | 14.20% | 10.79% |
| Equity / Assets | 13.95% | 11.57% |
Profitability
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| Return on Assets (ROA) | 2.84% | -0.35% |
| Return on Equity (ROE) | 19.48% | -3.03% |
| Net Interest Margin (NIM) | 5.24% | 3.93% |
| Yield on Earning Assets | 6.59% | 6.45% |
| Cost of Funds | 1.50% | 2.77% |
Asset quality
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| Texas Ratio | 0.39% | 27.68% |
| Non-Performing Loan Ratio | 0.08% | 3.88% |
| Non-Performing Asset Ratio | 0.04% | 3.22% |
| Net Charge-Off Ratio | 0.00% | 0.85% |
| ACL / Loans | 2.31% | 2.12% |
Balance sheet
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| Total Assets | $117,309K | $117,223K |
| Total Deposits | $99,927K | $102,725K |
| Total Loans | $66,706K | $97,021K |
| Total Equity | $16,360K | $13,562K |
| Net Income (quarter) | $808 | $-103 |
Liquidity & funding
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.75% | 94.45% |
| Core Deposit Ratio | 94.30% | 95.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank | Twin Cedars Bank |
|---|---|---|
| Headquarters City | ERICK | BUSSEY |
| Headquarters State | OK | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 23 | 20 |
| Established | Dec. 12, 1902, midnight | March 27, 1931, 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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