Bank Comparison
First Credit Bank vs Brenham National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| CET1 Ratio | 52.65% | 16.98% |
| Tier 1 Capital Ratio | 52.65% | 16.98% |
| Total Capital Ratio | 53.91% | 17.92% |
| Tier 1 Leverage Ratio | 47.97% | 11.45% |
| Equity / Assets | 47.33% | 9.55% |
Profitability
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 3.68% | 1.22% |
| Return on Equity (ROE) | 7.74% | 12.99% |
| Net Interest Margin (NIM) | 6.44% | 3.92% |
| Yield on Earning Assets | 8.13% | 4.70% |
| Cost of Funds | 3.02% | 0.82% |
Asset quality
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| Texas Ratio | 5.51% | 10.02% |
| Non-Performing Loan Ratio | 3.50% | 1.86% |
| Non-Performing Asset Ratio | 2.73% | 1.02% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 2.72% | 1.12% |
Balance sheet
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| Total Assets | $504,745K | $505,644K |
| Total Deposits | $257,910K | $453,920K |
| Total Loans | $393,480K | $275,544K |
| Total Equity | $238,909K | $48,270K |
| Net Income (quarter) | $4,582K | $1,570K |
Liquidity & funding
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 152.56% | 60.70% |
| Core Deposit Ratio | 70.34% | 92.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Credit Bank | Brenham National Bank, the |
|---|---|---|
| Headquarters City | WEST HOLLYWOOD | BRENHAM |
| Headquarters State | CA | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 13678 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 24 | 61 |
| Established | Feb. 18, 1983, midnight | April 22, 1933, 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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