Bank Comparison
First National Bank of Eagle Lake, the vs Feliciana Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 11.97% |
| Equity / Assets | 10.91% | 10.64% |
Profitability
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 1.43% |
| Return on Equity (ROE) | 12.54% | 13.72% |
| Net Interest Margin (NIM) | 4.72% | 4.26% |
| Yield on Earning Assets | 5.69% | 6.20% |
| Cost of Funds | 0.98% | 2.16% |
Asset quality
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| Texas Ratio | 11.34% | 5.87% |
| Non-Performing Loan Ratio | 2.38% | 0.57% |
| Non-Performing Asset Ratio | 1.36% | 0.69% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 1.93% | 1.56% |
Balance sheet
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| Total Assets | $170,691K | $170,946K |
| Total Deposits | $151,347K | $144,212K |
| Total Loans | $97,952K | $128,180K |
| Total Equity | $18,629K | $18,194K |
| Net Income (quarter) | $577 | $621 |
Liquidity & funding
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 64.72% | 88.88% |
| Core Deposit Ratio | 91.30% | 82.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Eagle Lake, the | Feliciana Bank & Trust Company |
|---|---|---|
| Headquarters City | EAGLE LAKE | CLINTON |
| Headquarters State | TX | LA |
| Asset Tier | Small | Small |
| Charter Class | 7534 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 27 | 32 |
| Established | Dec. 30, 1904, midnight | Jan. 20, 1904, 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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