Bank Comparison
First National Bank and Trust vs Ultima Bank Minnesota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.65% | 10.73% |
| Equity / Assets | 13.79% | 10.75% |
Profitability
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.65% |
| Return on Equity (ROE) | 13.00% | 14.84% |
| Net Interest Margin (NIM) | 4.79% | 5.09% |
| Yield on Earning Assets | 6.10% | 7.49% |
| Cost of Funds | 1.48% | 2.60% |
Asset quality
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| Texas Ratio | 16.29% | 1.51% |
| Non-Performing Loan Ratio | 1.38% | 0.14% |
| Non-Performing Asset Ratio | 0.96% | 0.13% |
| Net Charge-Off Ratio | -0.09% | 0.00% |
| ACL / Loans | 2.06% | 0.93% |
Balance sheet
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| Total Assets | $319,340K | $319,057K |
| Total Deposits | $266,651K | $280,647K |
| Total Loans | $221,890K | $298,694K |
| Total Equity | $44,045K | $34,296K |
| Net Income (quarter) | $1,419K | $1,300K |
Liquidity & funding
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| Loan-to-Deposit Ratio | 83.21% | 106.43% |
| Core Deposit Ratio | 89.23% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank and Trust | Ultima Bank Minnesota |
|---|---|---|
| Headquarters City | PHILLIPSBURG | WINGER |
| Headquarters State | KS | MN |
| Asset Tier | Small | Small |
| Charter Class | 3601 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 58 | 53 |
| Established | Jan. 1, 1884, midnight | Jan. 1, 1904, 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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