Bank Comparison
First Bank and Trust Company, the vs United Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| CET1 Ratio | 12.62% | 13.83% |
| Tier 1 Capital Ratio | 12.62% | 13.83% |
| Total Capital Ratio | 13.87% | 15.04% |
| Tier 1 Leverage Ratio | 10.03% | 9.96% |
| Equity / Assets | 10.00% | 9.86% |
Profitability
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.72% | 1.22% |
| Return on Equity (ROE) | 17.36% | 12.37% |
| Net Interest Margin (NIM) | 4.10% | 2.91% |
| Yield on Earning Assets | 6.21% | 4.84% |
| Cost of Funds | 2.26% | 2.07% |
Asset quality
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| Texas Ratio | 2.67% | 2.16% |
| Non-Performing Loan Ratio | 0.27% | 0.22% |
| Non-Performing Asset Ratio | 0.24% | 0.20% |
| Net Charge-Off Ratio | 0.42% | 0.02% |
| ACL / Loans | 1.20% | 1.30% |
Balance sheet
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| Total Assets | $4,147M | $4,165M |
| Total Deposits | $3,691M | $3,531M |
| Total Loans | $3,560M | $2,577M |
| Total Equity | $414,707K | $410,524K |
| Net Income (quarter) | $17,807K | $12,578K |
Liquidity & funding
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.47% | 72.98% |
| Core Deposit Ratio | 92.13% | 95.99% |
| Uninsured Deposit Ratio | 40.05% | 37.56% |
Identity
| Metric | First Bank and Trust Company, the | United Community Bank |
|---|---|---|
| Headquarters City | LEBANON | CHATHAM |
| Headquarters State | VA | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 35 | 46 |
| Employees (FTE) | 459 | 562 |
| Established | Aug. 3, 1979, midnight | July 12, 1965, 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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