Bank Comparison
First Bank Midwest vs First National Bank of Pulaski
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| CET1 Ratio | 13.37% | — |
| Tier 1 Capital Ratio | 13.37% | — |
| Total Capital Ratio | 14.62% | — |
| Tier 1 Leverage Ratio | 11.10% | 10.92% |
| Equity / Assets | 8.86% | 9.68% |
Profitability
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| Return on Assets (ROA) | 0.76% | 1.31% |
| Return on Equity (ROE) | 8.64% | 13.96% |
| Net Interest Margin (NIM) | 3.05% | 3.59% |
| Yield on Earning Assets | 5.64% | 5.43% |
| Cost of Funds | 2.86% | 2.03% |
Asset quality
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| Texas Ratio | 11.72% | 3.04% |
| Non-Performing Loan Ratio | 1.33% | 0.32% |
| Non-Performing Asset Ratio | 1.05% | 0.31% |
| Net Charge-Off Ratio | 0.13% | -0.06% |
| ACL / Loans | 1.41% | 1.32% |
Balance sheet
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| Total Assets | $1,513M | $1,507M |
| Total Deposits | $1,111M | $1,344M |
| Total Loans | $1,191M | $1,011M |
| Total Equity | $134,075K | $145,943K |
| Net Income (quarter) | $2,917K | $5,028K |
Liquidity & funding
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| Loan-to-Deposit Ratio | 107.14% | 75.25% |
| Core Deposit Ratio | 71.71% | 88.24% |
| Uninsured Deposit Ratio | 22.30% | 29.93% |
Identity
| Metric | First Bank Midwest | First National Bank of Pulaski |
|---|---|---|
| Headquarters City | RICHMOND | PULASKI |
| Headquarters State | IN | TN |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 14619 |
| Regulator | FDIC | OCC |
| Domestic Branches | 14 | 14 |
| Employees (FTE) | 173 | 185 |
| Established | Jan. 1, 1887, midnight | Jan. 12, 1938, 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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