Bank Comparison
First Bank Midwest vs Pacific National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| CET1 Ratio | 13.37% | 15.40% |
| Tier 1 Capital Ratio | 13.37% | 15.40% |
| Total Capital Ratio | 14.62% | 16.03% |
| Tier 1 Leverage Ratio | 11.10% | 11.23% |
| Equity / Assets | 8.86% | 11.01% |
Profitability
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.76% | 1.13% |
| Return on Equity (ROE) | 8.64% | 10.18% |
| Net Interest Margin (NIM) | 3.05% | 3.39% |
| Yield on Earning Assets | 5.64% | 6.10% |
| Cost of Funds | 2.86% | 2.95% |
Asset quality
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| Texas Ratio | 11.72% | 0.29% |
| Non-Performing Loan Ratio | 1.33% | 0.05% |
| Non-Performing Asset Ratio | 1.05% | 0.03% |
| Net Charge-Off Ratio | 0.13% | 0.11% |
| ACL / Loans | 1.41% | 0.67% |
Balance sheet
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| Total Assets | $1,513M | $1,512M |
| Total Deposits | $1,111M | $1,229M |
| Total Loans | $1,191M | $948,456K |
| Total Equity | $134,075K | $166,604K |
| Net Income (quarter) | $2,917K | $4,189K |
Liquidity & funding
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 107.14% | 77.17% |
| Core Deposit Ratio | 71.71% | 74.94% |
| Uninsured Deposit Ratio | 22.30% | 25.68% |
Identity
| Metric | First Bank Midwest | Pacific National Bank |
|---|---|---|
| Headquarters City | RICHMOND | MIAMI |
| Headquarters State | IN | FL |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 20010 |
| Regulator | FDIC | OCC |
| Domestic Branches | 14 | 8 |
| Employees (FTE) | 173 | 141 |
| Established | Jan. 1, 1887, midnight | July 22, 1985, 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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