Bank Comparison
First National Bank of East Texas, the vs Mercer County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 3
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.72% | 10.46% |
| Equity / Assets | 8.94% | 7.88% |
Profitability
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.06% |
| Return on Equity (ROE) | 14.45% | 13.52% |
| Net Interest Margin (NIM) | 4.06% | 3.69% |
| Yield on Earning Assets | 6.03% | 5.02% |
| Cost of Funds | 2.05% | 1.41% |
Asset quality
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| Texas Ratio | 14.38% | 17.97% |
| Non-Performing Loan Ratio | 1.70% | 1.95% |
| Non-Performing Asset Ratio | 1.27% | 1.29% |
| Net Charge-Off Ratio | -0.03% | 0.09% |
| ACL / Loans | 1.22% | 1.14% |
Balance sheet
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| Total Assets | $602,014K | $601,730K |
| Total Deposits | $546,015K | $527,393K |
| Total Loans | $421,932K | $396,899K |
| Total Equity | $53,842K | $47,414K |
| Net Income (quarter) | $1,933K | $1,599K |
Liquidity & funding
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.27% | 75.26% |
| Core Deposit Ratio | 80.57% | 90.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of East Texas, the | Mercer County State Bank |
|---|---|---|
| Headquarters City | GILMER | SANDY LAKE |
| Headquarters State | TX | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 5288 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 12 |
| Employees (FTE) | 134 | 108 |
| Established | April 13, 1900, midnight | June 20, 1911, 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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