Bank Comparison
First Liberty Bank vs American Plus Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| CET1 Ratio | 15.87% | — |
| Tier 1 Capital Ratio | 15.87% | — |
| Total Capital Ratio | 17.10% | — |
| Tier 1 Leverage Ratio | 9.68% | 16.49% |
| Equity / Assets | 10.99% | 16.32% |
Profitability
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.65% |
| Return on Equity (ROE) | 11.45% | 9.94% |
| Net Interest Margin (NIM) | 4.49% | 4.03% |
| Yield on Earning Assets | 5.76% | 6.79% |
| Cost of Funds | 1.37% | 3.20% |
Asset quality
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.96% | 1.69% |
| Non-Performing Loan Ratio | 0.57% | 0.00% |
| Non-Performing Asset Ratio | 0.40% | 0.26% |
| Net Charge-Off Ratio | 0.11% | 0.00% |
| ACL / Loans | 1.29% | 1.50% |
Balance sheet
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| Total Assets | $890,047K | $890,687K |
| Total Deposits | $783,659K | $716,600K |
| Total Loans | $481,635K | $768,112K |
| Total Equity | $97,798K | $145,383K |
| Net Income (quarter) | $2,796K | $3,590K |
Liquidity & funding
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 61.46% | 107.19% |
| Core Deposit Ratio | 88.04% | 78.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Liberty Bank | American Plus Bank, N.A. |
|---|---|---|
| Headquarters City | LIBERTY | ARCADIA |
| Headquarters State | TX | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24716 |
| Regulator | FED | OCC |
| Domestic Branches | 11 | 4 |
| Employees (FTE) | 128 | 50 |
| Established | Jan. 1, 1913, midnight | Aug. 8, 2007, 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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