Bank Comparison
First National Bank of Ballinger, the vs Primebank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| CET1 Ratio | 16.38% | — |
| Tier 1 Capital Ratio | 16.38% | — |
| Total Capital Ratio | 17.64% | — |
| Tier 1 Leverage Ratio | 10.51% | 11.57% |
| Equity / Assets | 10.10% | 12.01% |
Profitability
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.65% |
| Return on Equity (ROE) | 15.22% | 14.28% |
| Net Interest Margin (NIM) | 4.24% | 4.21% |
| Yield on Earning Assets | 5.76% | 6.06% |
| Cost of Funds | 1.63% | 2.00% |
Asset quality
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| Texas Ratio | 0.17% | 1.07% |
| Non-Performing Loan Ratio | 0.03% | 0.19% |
| Non-Performing Asset Ratio | 0.02% | 0.12% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.92% | 1.08% |
Balance sheet
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| Total Assets | $275,940K | $275,404K |
| Total Deposits | $246,167K | $241,338K |
| Total Loans | $165,991K | $175,347K |
| Total Equity | $27,871K | $33,088K |
| Net Income (quarter) | $1,054K | $1,163K |
Liquidity & funding
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 67.43% | 72.66% |
| Core Deposit Ratio | 86.22% | 94.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Ballinger, the | Primebank of Texas |
|---|---|---|
| Headquarters City | BALLINGER | AUSTIN |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 3533 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 41 | 27 |
| Established | June 29, 1886, midnight | May 9, 2003, 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 of Ballinger, the profile | View full Primebank of Texas profile | Browse all bank comparisons