Bank Comparison
First National Bank of Fletcher, the vs First Federal Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 4
winning metrics across 17 comparable rows
Capital adequacy
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.87% | 22.26% |
| Equity / Assets | 8.86% | 21.80% |
Profitability
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 0.00% |
| Return on Equity (ROE) | 9.80% | 0.00% |
| Net Interest Margin (NIM) | 4.67% | 2.47% |
| Yield on Earning Assets | 5.26% | 4.41% |
| Cost of Funds | 0.53% | 2.34% |
Asset quality
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | -1.48% | 0.00% |
| ACL / Loans | 5.87% | 1.04% |
Balance sheet
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| Total Assets | $23,000K | $22,969K |
| Total Deposits | $20,927K | $17,218K |
| Total Loans | $4,294K | $13,939K |
| Total Equity | $2,037K | $5,008K |
| Net Income (quarter) | $50 | $0 |
Liquidity & funding
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 20.52% | 80.96% |
| Core Deposit Ratio | 100.00% | 90.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Fletcher, the | First Federal Savings and Loan Association |
|---|---|---|
| Headquarters City | FLETCHER | Centerburg |
| Headquarters State | OK | OH |
| Asset Tier | 6: < $100M | 6: < $100M |
| Charter Class | 12141 | 702753 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 7 | 4 |
| Established | Nov. 13, 1902, midnight | June 1, 1934, 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 March 31, 2026. 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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