Bank Comparison
First Bank and Trust Company vs First National Bank of Hooker, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| CET1 Ratio | 20.33% | 25.83% |
| Tier 1 Capital Ratio | 20.33% | 25.83% |
| Total Capital Ratio | 21.58% | 27.08% |
| Tier 1 Leverage Ratio | 10.27% | 16.33% |
| Equity / Assets | 9.64% | 15.50% |
Profitability
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 1.40% |
| Return on Equity (ROE) | 9.78% | 9.01% |
| Net Interest Margin (NIM) | 3.40% | 4.44% |
| Yield on Earning Assets | 4.98% | 5.53% |
| Cost of Funds | 1.73% | 1.23% |
Asset quality
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| Texas Ratio | 8.71% | 11.06% |
| Non-Performing Loan Ratio | 1.90% | 2.41% |
| Non-Performing Asset Ratio | 0.91% | 1.69% |
| Net Charge-Off Ratio | 0.02% | 0.02% |
| ACL / Loans | 1.69% | 1.37% |
Balance sheet
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| Total Assets | $92,370K | $92,416K |
| Total Deposits | $68,604K | $77,521K |
| Total Loans | $44,194K | $54,584K |
| Total Equity | $8,903K | $14,329K |
| Net Income (quarter) | $224 | $320 |
Liquidity & funding
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| Loan-to-Deposit Ratio | 64.42% | 70.41% |
| Core Deposit Ratio | 95.08% | 92.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank and Trust Company | First National Bank of Hooker, the |
|---|---|---|
| Headquarters City | MINDEN | HOOKER |
| Headquarters State | NE | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 10566 |
| Regulator | FED | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 13 | 21 |
| Established | Sept. 4, 1883, midnight | June 23, 1914, 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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