Bank Comparison
First Federal Savings and Loan Association vs Security National Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 11
winning metrics across 15 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| CET1 Ratio | 22.89% | — |
| Tier 1 Capital Ratio | 22.89% | — |
| Total Capital Ratio | 23.83% | — |
| Tier 1 Leverage Ratio | 10.12% | 84.52% |
| Equity / Assets | 10.11% | 82.81% |
Profitability
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 39.84% |
| Return on Equity (ROE) | 2.34% | 49.65% |
| Net Interest Margin (NIM) | 2.16% | 3.93% |
| Yield on Earning Assets | 5.13% | 3.93% |
| Cost of Funds | 3.24% | 0.00% |
Asset quality
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| Texas Ratio | 7.60% | 0.00% |
| Non-Performing Loan Ratio | 0.51% | — |
| Non-Performing Asset Ratio | 0.37% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.57% | — |
Balance sheet
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| Total Assets | $27,131K | $7,947K |
| Total Deposits | $24,179K | $0 |
| Total Loans | $19,787K | $0 |
| Total Equity | $2,743K | $6,581K |
| Net Income (quarter) | $16 | $771 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 81.84% | — |
| Core Deposit Ratio | 83.22% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association | Security National Trust CO. |
|---|---|---|
| Headquarters City | RAVENSWOOD | WHEELING |
| Headquarters State | WV | WV |
| Asset Tier | Micro | Micro |
| Charter Class | 703542 | — |
| Regulator | OCC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 4 | 27 |
| Established | Jan. 1, 1934, 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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