Bank Comparison
First Bank of Berne vs First Palmetto Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| CET1 Ratio | 12.39% | 13.34% |
| Tier 1 Capital Ratio | 12.39% | 13.34% |
| Total Capital Ratio | 13.64% | 14.59% |
| Tier 1 Leverage Ratio | 9.85% | 9.41% |
| Equity / Assets | 6.57% | 9.19% |
Profitability
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| Return on Assets (ROA) | 2.11% | 1.54% |
| Return on Equity (ROE) | 32.52% | 16.68% |
| Net Interest Margin (NIM) | 3.62% | 3.55% |
| Yield on Earning Assets | 5.25% | 5.35% |
| Cost of Funds | 1.76% | 1.89% |
Asset quality
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| Texas Ratio | 5.27% | 1.40% |
| Non-Performing Loan Ratio | 0.51% | 0.20% |
| Non-Performing Asset Ratio | 0.40% | 0.14% |
| Net Charge-Off Ratio | 0.03% | 0.06% |
| ACL / Loans | 1.38% | 1.51% |
Balance sheet
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| Total Assets | $1,078M | $1,078M |
| Total Deposits | $969,664K | $972,919K |
| Total Loans | $771,154K | $794,101K |
| Total Equity | $70,862K | $99,123K |
| Net Income (quarter) | $5,760K | $4,049K |
Liquidity & funding
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.53% | 81.62% |
| Core Deposit Ratio | 98.88% | 88.87% |
| Uninsured Deposit Ratio | 37.75% | 32.48% |
Identity
| Metric | First Bank of Berne | First Palmetto Bank |
|---|---|---|
| Headquarters City | BERNE | CAMDEN |
| Headquarters State | IN | SC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 22 |
| Employees (FTE) | 107 | 178 |
| Established | Oct. 21, 1891, midnight | Jan. 1, 1904, 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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