Bank Comparison
First Bank Midwest vs First Harrison Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 16
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| CET1 Ratio | 13.37% | — |
| Tier 1 Capital Ratio | 13.37% | — |
| Total Capital Ratio | 14.62% | — |
| Tier 1 Leverage Ratio | 11.10% | 11.13% |
| Equity / Assets | 8.86% | 10.41% |
Profitability
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| Return on Assets (ROA) | 0.76% | 1.34% |
| Return on Equity (ROE) | 8.64% | 12.82% |
| Net Interest Margin (NIM) | 3.05% | 3.80% |
| Yield on Earning Assets | 5.64% | 4.95% |
| Cost of Funds | 2.86% | 1.24% |
Asset quality
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| Texas Ratio | 11.72% | 3.35% |
| Non-Performing Loan Ratio | 1.33% | 0.68% |
| Non-Performing Asset Ratio | 1.05% | 0.36% |
| Net Charge-Off Ratio | 0.13% | 0.07% |
| ACL / Loans | 1.41% | 1.53% |
Balance sheet
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| Total Assets | $1,513M | $1,281M |
| Total Deposits | $1,111M | $1,139M |
| Total Loans | $1,191M | $675,507K |
| Total Equity | $134,075K | $133,422K |
| Net Income (quarter) | $2,917K | $4,276K |
Liquidity & funding
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.14% | 59.26% |
| Core Deposit Ratio | 71.71% | 94.07% |
| Uninsured Deposit Ratio | 22.30% | 29.42% |
Identity
| Metric | First Bank Midwest | First Harrison Bank |
|---|---|---|
| Headquarters City | RICHMOND | CORYDON |
| Headquarters State | IN | IN |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 14 | 17 |
| Employees (FTE) | 173 | 192 |
| Established | Jan. 1, 1887, midnight | Jan. 1, 1891, 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 March 31, 2026. 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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