Bank Comparison
First National Bank of Central Texas vs Southern Michigan Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
21 · 3
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| CET1 Ratio | 15.02% | 10.85% |
| Tier 1 Capital Ratio | 15.02% | 10.85% |
| Total Capital Ratio | 16.27% | 12.03% |
| Tier 1 Leverage Ratio | 11.38% | 8.79% |
| Equity / Assets | 11.38% | 8.90% |
Profitability
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.41% | 0.84% |
| Return on Equity (ROE) | 22.00% | 9.57% |
| Net Interest Margin (NIM) | 4.12% | 3.30% |
| Yield on Earning Assets | 5.59% | 5.45% |
| Cost of Funds | 1.69% | 2.27% |
Asset quality
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| Texas Ratio | 0.70% | 10.08% |
| Non-Performing Loan Ratio | 0.07% | 0.90% |
| Non-Performing Asset Ratio | 0.08% | 0.91% |
| Net Charge-Off Ratio | 0.03% | 0.26% |
| ACL / Loans | 1.20% | 1.17% |
Balance sheet
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| Total Assets | $1,697M | $1,704M |
| Total Deposits | $1,483M | $1,436M |
| Total Loans | $1,340M | $1,307M |
| Total Equity | $193,193K | $151,693K |
| Net Income (quarter) | $10,521K | $3,607K |
Liquidity & funding
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 90.32% | 91.03% |
| Core Deposit Ratio | 87.70% | 85.98% |
| Uninsured Deposit Ratio | 21.43% | 35.87% |
Identity
| Metric | First National Bank of Central Texas | Southern Michigan Bank & Trust |
|---|---|---|
| Headquarters City | WACO | COLDWATER |
| Headquarters State | TX | MI |
| Asset Tier | Large | Large |
| Charter Class | 5850 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 21 |
| Employees (FTE) | 124 | 252 |
| Established | Aug. 12, 1901, midnight | Jan. 16, 1872, 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 Southern Michigan Bank & Trust profile | Browse all bank comparisons