Bank Comparison
First National Bank in Deridder vs First Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| CET1 Ratio | 17.25% | — |
| Tier 1 Capital Ratio | 17.25% | — |
| Total Capital Ratio | 18.31% | — |
| Tier 1 Leverage Ratio | 9.79% | 10.49% |
| Equity / Assets | 8.57% | 10.53% |
Profitability
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.34% | 0.33% |
| Return on Equity (ROE) | 15.66% | 3.19% |
| Net Interest Margin (NIM) | 4.02% | 2.91% |
| Yield on Earning Assets | 5.06% | 4.70% |
| Cost of Funds | 1.11% | 1.93% |
Asset quality
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| Texas Ratio | 8.57% | 11.53% |
| Non-Performing Loan Ratio | 0.97% | 1.90% |
| Non-Performing Asset Ratio | 0.78% | 1.31% |
| Net Charge-Off Ratio | 0.10% | -0.09% |
| ACL / Loans | 1.01% | 1.25% |
Balance sheet
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| Total Assets | $425,127K | $425,882K |
| Total Deposits | $385,767K | $329,401K |
| Total Loans | $244,301K | $294,959K |
| Total Equity | $36,449K | $44,841K |
| Net Income (quarter) | $1,416K | $356 |
Liquidity & funding
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.33% | 89.54% |
| Core Deposit Ratio | 87.35% | 94.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Deridder | First Federal Savings Bank |
|---|---|---|
| Headquarters City | DERIDDER | OTTAWA |
| Headquarters State | LA | IL |
| Asset Tier | Small | Small |
| Charter Class | 14168 | 702631 |
| Regulator | OCC | OCC |
| Domestic Branches | 7 | 11 |
| Employees (FTE) | 77 | 95 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1889, 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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