Bank Comparison
First Federal Bank of Louisiana vs Reading Co-operative Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| CET1 Ratio | 21.41% | 10.62% |
| Tier 1 Capital Ratio | 21.41% | 10.62% |
| Total Capital Ratio | 22.30% | 11.33% |
| Tier 1 Leverage Ratio | 11.95% | 7.14% |
| Equity / Assets | 10.63% | 6.42% |
Profitability
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 0.43% |
| Return on Equity (ROE) | 3.54% | 6.81% |
| Net Interest Margin (NIM) | 2.73% | 3.28% |
| Yield on Earning Assets | 4.45% | 5.33% |
| Cost of Funds | 1.84% | 2.09% |
Asset quality
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| Texas Ratio | 13.73% | 1.99% |
| Non-Performing Loan Ratio | 0.17% | 0.09% |
| Non-Performing Asset Ratio | 1.50% | 0.07% |
| Net Charge-Off Ratio | 0.84% | 0.07% |
| ACL / Loans | 0.84% | 0.57% |
Balance sheet
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| Total Assets | $1,175M | $1,176M |
| Total Deposits | $1,019M | $1,048M |
| Total Loans | $638,181K | $947,242K |
| Total Equity | $124,958K | $75,501K |
| Net Income (quarter) | $1,105K | $1,274K |
Liquidity & funding
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.61% | 90.36% |
| Core Deposit Ratio | 93.19% | 86.41% |
| Uninsured Deposit Ratio | 32.75% | 30.81% |
Identity
| Metric | First Federal Bank of Louisiana | Reading Co-operative Bank |
|---|---|---|
| Headquarters City | LAKE CHARLES | READING |
| Headquarters State | LA | MA |
| Asset Tier | Large | Large |
| Charter Class | 705339 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 16 | 13 |
| Employees (FTE) | 192 | 115 |
| Established | Oct. 31, 1949, midnight | Jan. 1, 1886, 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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