Bank Comparison
First National Bank Minnesota vs Exchange Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 13.01% | 14.52% |
| Tier 1 Capital Ratio | 13.01% | 14.52% |
| Total Capital Ratio | 14.26% | 15.84% |
| Tier 1 Leverage Ratio | 9.85% | 10.69% |
| Equity / Assets | 10.03% | 8.45% |
Profitability
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 1.79% |
| Return on Equity (ROE) | 14.28% | 21.05% |
| Net Interest Margin (NIM) | 4.00% | 4.07% |
| Yield on Earning Assets | 5.33% | 6.24% |
| Cost of Funds | 1.41% | 2.33% |
Asset quality
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| Texas Ratio | 11.78% | 12.46% |
| Non-Performing Loan Ratio | 1.31% | 1.21% |
| Non-Performing Asset Ratio | 1.18% | 0.89% |
| Net Charge-Off Ratio | 0.24% | 0.12% |
| ACL / Loans | 1.32% | 1.29% |
Balance sheet
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| Total Assets | $434,031K | $433,198K |
| Total Deposits | $370,436K | $391,157K |
| Total Loans | $330,801K | $318,073K |
| Total Equity | $43,543K | $36,618K |
| Net Income (quarter) | $1,537K | $1,892K |
Liquidity & funding
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 89.30% | 81.32% |
| Core Deposit Ratio | 95.17% | 89.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank Minnesota | Exchange Bank and Trust Company |
|---|---|---|
| Headquarters City | SAINT PETER | PERRY |
| Headquarters State | MN | OK |
| Asset Tier | Small | Small |
| Charter Class | 1794 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 66 | 74 |
| Established | Jan. 1, 1857, midnight | Feb. 20, 1896, 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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