Bank Comparison
First Bethany Bank & Trust vs Bay Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| CET1 Ratio | — | 22.53% |
| Tier 1 Capital Ratio | — | 22.53% |
| Total Capital Ratio | — | 23.79% |
| Tier 1 Leverage Ratio | 9.19% | 11.10% |
| Equity / Assets | 5.68% | 9.83% |
Profitability
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 1.12% |
| Return on Equity (ROE) | 19.77% | 11.25% |
| Net Interest Margin (NIM) | 3.15% | 4.08% |
| Yield on Earning Assets | 4.90% | 4.87% |
| Cost of Funds | 1.88% | 0.85% |
Asset quality
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| Texas Ratio | 2.52% | 13.34% |
| Non-Performing Loan Ratio | 0.16% | 3.38% |
| Non-Performing Asset Ratio | 0.09% | 1.42% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 0.98% | 1.89% |
Balance sheet
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| Total Assets | $312,971K | $312,693K |
| Total Deposits | $265,138K | $259,308K |
| Total Loans | $187,777K | $131,079K |
| Total Equity | $17,788K | $30,731K |
| Net Income (quarter) | $868 | $864 |
Liquidity & funding
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.82% | 50.55% |
| Core Deposit Ratio | 85.72% | 94.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bethany Bank & Trust | Bay Bank |
|---|---|---|
| Headquarters City | BETHANY | GREEN BAY |
| Headquarters State | OK | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 42 | 40 |
| Established | Jan. 1, 1923, midnight | Aug. 21, 1995, 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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