Bank Comparison
First National Bank of Dryden, the vs Halstead Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| CET1 Ratio | — | 11.93% |
| Tier 1 Capital Ratio | — | 11.93% |
| Total Capital Ratio | — | 13.18% |
| Tier 1 Leverage Ratio | 13.31% | 8.50% |
| Equity / Assets | 11.05% | 8.42% |
Profitability
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 1.44% |
| Return on Equity (ROE) | 16.06% | 17.24% |
| Net Interest Margin (NIM) | 4.43% | 4.38% |
| Yield on Earning Assets | 4.68% | 6.12% |
| Cost of Funds | 0.28% | 1.90% |
Asset quality
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| Texas Ratio | 4.07% | 2.43% |
| Non-Performing Loan Ratio | 0.28% | 0.25% |
| Non-Performing Asset Ratio | 0.17% | 0.17% |
| Net Charge-Off Ratio | 0.77% | -0.03% |
| ACL / Loans | 1.35% | 1.36% |
Balance sheet
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| Total Assets | $211,185K | $211,043K |
| Total Deposits | $187,556K | $192,516K |
| Total Loans | $101,358K | $140,478K |
| Total Equity | $23,341K | $17,760K |
| Net Income (quarter) | $937 | $756 |
Liquidity & funding
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 54.04% | 72.97% |
| Core Deposit Ratio | 94.69% | 94.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Dryden, the | Halstead Bank, the |
|---|---|---|
| Headquarters City | DRYDEN | HALSTEAD |
| Headquarters State | NY | KS |
| Asset Tier | Small | Small |
| Charter Class | 6487 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 41 | 26 |
| Established | Jan. 1, 1902, midnight | March 10, 1882, 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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