Bank Comparison
First National Bank Minnesota vs Morgantown Bank & Trust Company, Incorporated
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| CET1 Ratio | 13.01% | 11.43% |
| Tier 1 Capital Ratio | 13.01% | 11.43% |
| Total Capital Ratio | 14.26% | 12.25% |
| Tier 1 Leverage Ratio | 9.85% | 8.20% |
| Equity / Assets | 10.03% | 7.58% |
Profitability
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 0.78% |
| Return on Equity (ROE) | 14.28% | 10.19% |
| Net Interest Margin (NIM) | 4.00% | 3.56% |
| Yield on Earning Assets | 5.33% | 6.00% |
| Cost of Funds | 1.41% | 2.50% |
Asset quality
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| Texas Ratio | 11.78% | 2.96% |
| Non-Performing Loan Ratio | 1.31% | 0.25% |
| Non-Performing Asset Ratio | 1.18% | 0.24% |
| Net Charge-Off Ratio | 0.24% | 0.01% |
| ACL / Loans | 1.32% | 0.69% |
Balance sheet
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| Total Assets | $434,031K | $434,974K |
| Total Deposits | $370,436K | $382,022K |
| Total Loans | $330,801K | $343,383K |
| Total Equity | $43,543K | $32,991K |
| Net Income (quarter) | $1,537K | $833 |
Liquidity & funding
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| Loan-to-Deposit Ratio | 89.30% | 89.89% |
| Core Deposit Ratio | 95.17% | 89.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank Minnesota | Morgantown Bank & Trust Company, Incorporated |
|---|---|---|
| Headquarters City | SAINT PETER | MORGANTOWN |
| Headquarters State | MN | KY |
| Asset Tier | Small | Small |
| Charter Class | 1794 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 8 |
| Employees (FTE) | 66 | 70 |
| Established | Jan. 1, 1857, midnight | Sept. 1, 1880, 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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