Bank Comparison
First National Bank and Trust Company of Miami, the vs High Plains Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.59% | 9.83% |
| Equity / Assets | 12.96% | 10.73% |
Profitability
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| Return on Assets (ROA) | 2.07% | 1.80% |
| Return on Equity (ROE) | 16.12% | 17.77% |
| Net Interest Margin (NIM) | 5.40% | 3.83% |
| Yield on Earning Assets | 6.02% | 6.52% |
| Cost of Funds | 0.69% | 3.03% |
Asset quality
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| Texas Ratio | 4.22% | 8.65% |
| Non-Performing Loan Ratio | 0.18% | 0.66% |
| Non-Performing Asset Ratio | 0.12% | 0.55% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.18% | 0.98% |
Balance sheet
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| Total Assets | $206,413K | $211,748K |
| Total Deposits | $178,010K | $186,598K |
| Total Loans | $138,618K | $175,673K |
| Total Equity | $26,744K | $22,715K |
| Net Income (quarter) | $1,070K | $1,001K |
Liquidity & funding
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.87% | 94.15% |
| Core Deposit Ratio | 100.00% | 93.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank and Trust Company of Miami, the | High Plains Bank |
|---|---|---|
| Headquarters City | MIAMI | OKEENE |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 5252 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 37 | 26 |
| Established | — | Feb. 11, 1930, 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 National Bank and Trust Company of Miami, the profile | View full High Plains Bank profile | Browse all bank comparisons