Bank Comparison
First National Bank of Scotia vs First National Bank of Sonora, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| CET1 Ratio | 13.33% | 10.54% |
| Tier 1 Capital Ratio | 13.33% | 10.54% |
| Total Capital Ratio | 14.50% | 11.39% |
| Tier 1 Leverage Ratio | 9.19% | 8.25% |
| Equity / Assets | 9.46% | 7.50% |
Profitability
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 0.65% |
| Return on Equity (ROE) | 7.77% | 8.51% |
| Net Interest Margin (NIM) | 4.28% | 4.88% |
| Yield on Earning Assets | 5.08% | 6.76% |
| Cost of Funds | 0.84% | 1.80% |
Asset quality
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| Texas Ratio | 10.31% | 40.68% |
| Non-Performing Loan Ratio | 1.30% | 2.86% |
| Non-Performing Asset Ratio | 0.94% | 3.01% |
| Net Charge-Off Ratio | 0.19% | 0.07% |
| ACL / Loans | 1.08% | 0.86% |
Balance sheet
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| Total Assets | $706,452K | $704,745K |
| Total Deposits | $620,658K | $623,665K |
| Total Loans | $512,684K | $512,469K |
| Total Equity | $66,804K | $52,837K |
| Net Income (quarter) | $1,292K | $1,124K |
Liquidity & funding
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| Loan-to-Deposit Ratio | 82.60% | 82.17% |
| Core Deposit Ratio | 96.59% | 79.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Scotia | First National Bank of Sonora, the |
|---|---|---|
| Headquarters City | SCOTIA | SONORA |
| Headquarters State | NY | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 14680 | 5466 |
| Regulator | OCC | OCC |
| Domestic Branches | 10 | 9 |
| Employees (FTE) | 144 | 115 |
| Established | Jan. 1, 1923, 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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