Bank Comparison
First National Bank of Central Texas vs Erebor Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 7
winning metrics across 16 comparable rows
Capital adequacy
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| CET1 Ratio | 15.02% | — |
| Tier 1 Capital Ratio | 15.02% | — |
| Total Capital Ratio | 16.27% | — |
| Tier 1 Leverage Ratio | 11.38% | 142.22% |
| Equity / Assets | 11.38% | 35.26% |
Profitability
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.41% | -5.66% |
| Return on Equity (ROE) | 22.00% | — |
| Net Interest Margin (NIM) | 4.12% | 3.32% |
| Yield on Earning Assets | 5.59% | 3.47% |
| Cost of Funds | 1.69% | — |
Asset quality
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.70% | 0.00% |
| Non-Performing Loan Ratio | 0.07% | — |
| Non-Performing Asset Ratio | 0.08% | 0.00% |
| Net Charge-Off Ratio | 0.03% | — |
| ACL / Loans | 1.20% | — |
Balance sheet
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| Total Assets | $1,697M | $1,703M |
| Total Deposits | $1,483M | $1,097M |
| Total Loans | $1,340M | $0 |
| Total Equity | $193,193K | $600,608K |
| Net Income (quarter) | $10,521K | $-6,009 |
Liquidity & funding
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 90.32% | 0.00% |
| Core Deposit Ratio | 87.70% | 100.00% |
| Uninsured Deposit Ratio | 21.43% | 23.31% |
Identity
| Metric | First National Bank of Central Texas | Erebor Bank, N.A. |
|---|---|---|
| Headquarters City | WACO | COLUMBUS |
| Headquarters State | TX | OH |
| Asset Tier | Large | Large |
| Charter Class | 5850 | 25357 |
| Regulator | OCC | OCC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 124 | 55 |
| Established | Aug. 12, 1901, midnight | Feb. 6, 2026, 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 Central Texas profile | View full Erebor Bank, N.A. profile | Browse all bank comparisons