Bank Comparison
First Commercial Bank, N.A. vs Mid-america Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| CET1 Ratio | 18.14% | 12.22% |
| Tier 1 Capital Ratio | 18.14% | 12.22% |
| Total Capital Ratio | 19.39% | 13.29% |
| Tier 1 Leverage Ratio | 10.15% | 9.68% |
| Equity / Assets | 9.98% | 9.79% |
Profitability
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.58% |
| Return on Equity (ROE) | 13.32% | 16.38% |
| Net Interest Margin (NIM) | 4.01% | 3.40% |
| Yield on Earning Assets | 5.36% | 6.30% |
| Cost of Funds | 1.41% | 3.18% |
Asset quality
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| Texas Ratio | 2.22% | 0.98% |
| Non-Performing Loan Ratio | 0.39% | 0.00% |
| Non-Performing Asset Ratio | 0.22% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.42% | 0.99% |
Balance sheet
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| Total Assets | $566,408K | $566,810K |
| Total Deposits | $504,314K | $435,266K |
| Total Loans | $314,549K | $442,895K |
| Total Equity | $56,541K | $55,465K |
| Net Income (quarter) | $1,872K | $2,244K |
Liquidity & funding
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.37% | 101.75% |
| Core Deposit Ratio | 82.52% | 88.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Commercial Bank, N.A. | Mid-america Bank |
|---|---|---|
| Headquarters City | SEGUIN | BALDWIN CITY |
| Headquarters State | TX | KS |
| Asset Tier | Medium | Medium |
| Charter Class | 17862 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 89 | 65 |
| Established | July 1, 1983, midnight | Dec. 11, 1900, 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.
View full First Commercial Bank, N.A. profile | View full Mid-america Bank profile | Browse all bank comparisons