Bank Comparison
First Federal Savings & Loan Association of Pascagoula-moss Point vs City Bank & Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
First Federal Savings & Loan Association of Pascagoula-moss Point
RSSD 90177 · PASCAGOULA, MS
Full profile →vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| CET1 Ratio | 19.53% | 18.09% |
| Tier 1 Capital Ratio | 19.53% | 18.09% |
| Total Capital Ratio | 39.05% | 19.35% |
| Tier 1 Leverage Ratio | 9.57% | 11.33% |
| Equity / Assets | 9.41% | 11.02% |
Profitability
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 0.43% | 1.63% |
| Return on Equity (ROE) | 4.62% | 14.90% |
| Net Interest Margin (NIM) | 2.58% | 4.25% |
| Yield on Earning Assets | 5.26% | 5.39% |
| Cost of Funds | 2.83% | 1.22% |
Asset quality
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| Texas Ratio | 5.62% | 10.83% |
| Non-Performing Loan Ratio | 0.36% | 0.84% |
| Non-Performing Asset Ratio | 0.51% | 1.30% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 0.41% | 1.85% |
Balance sheet
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| Total Assets | $377,630K | $378,106K |
| Total Deposits | $270,926K | $330,666K |
| Total Loans | $308,785K | $226,640K |
| Total Equity | $35,539K | $41,681K |
| Net Income (quarter) | $409 | $1,530K |
Liquidity & funding
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 113.97% | 68.54% |
| Core Deposit Ratio | 83.68% | 89.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings & Loan Association of Pascagoula-moss Point | City Bank & Trust CO. |
|---|---|---|
| Headquarters City | PASCAGOULA | NATCHITOCHES |
| Headquarters State | MS | LA |
| Asset Tier | Small | Small |
| Charter Class | 705957 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 50 | 77 |
| Established | Oct. 28, 1955, midnight | Jan. 1, 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.
View full First Federal Savings & Loan Association of Pascagoula-moss Point profile | View full City Bank & Trust CO. profile | Browse all bank comparisons