Bank Comparison
First National Bank in Falfurrias, the vs Bank of Edison, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 6
winning metrics across 18 comparable rows
Capital adequacy
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| CET1 Ratio | — | 13.61% |
| Tier 1 Capital Ratio | — | 13.61% |
| Total Capital Ratio | — | 14.86% |
| Tier 1 Leverage Ratio | 9.74% | 8.45% |
| Equity / Assets | 9.40% | 5.56% |
Profitability
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 1.26% |
| Return on Equity (ROE) | 18.98% | 22.98% |
| Net Interest Margin (NIM) | 4.07% | 4.22% |
| Yield on Earning Assets | 4.75% | 6.20% |
| Cost of Funds | 0.66% | 2.09% |
Asset quality
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| Texas Ratio | 0.30% | 18.61% |
| Non-Performing Loan Ratio | 0.11% | 2.03% |
| Non-Performing Asset Ratio | 0.03% | 1.19% |
| Net Charge-Off Ratio | 0.09% | 0.11% |
| ACL / Loans | 1.85% | 1.39% |
Balance sheet
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| Total Assets | $84,819K | $84,922K |
| Total Deposits | $76,764K | $79,833K |
| Total Loans | $21,832K | $49,719K |
| Total Equity | $7,970K | $4,722K |
| Net Income (quarter) | $372 | $269 |
Liquidity & funding
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| Loan-to-Deposit Ratio | 28.44% | 62.28% |
| Core Deposit Ratio | 96.06% | 83.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Falfurrias, the | Bank of Edison, the |
|---|---|---|
| Headquarters City | FALFURRIAS | EDISON |
| Headquarters State | TX | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 14072 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 20 | 20 |
| Established | Jan. 1, 1934, midnight | Oct. 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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