Bank Comparison
First National Bank USA vs Hibernia Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.92% | 11.64% |
| Equity / Assets | 13.94% | 13.70% |
Profitability
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| Return on Assets (ROA) | 1.72% | -0.02% |
| Return on Equity (ROE) | 12.46% | -0.14% |
| Net Interest Margin (NIM) | 4.64% | 2.49% |
| Yield on Earning Assets | 5.55% | 5.12% |
| Cost of Funds | 1.07% | 2.77% |
Asset quality
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| Texas Ratio | 0.10% | 10.38% |
| Non-Performing Loan Ratio | 0.00% | 1.51% |
| Non-Performing Asset Ratio | 0.00% | 1.21% |
| Net Charge-Off Ratio | 0.04% | -0.01% |
| ACL / Loans | 1.22% | 0.46% |
Balance sheet
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| Total Assets | $239,878K | $244,657K |
| Total Deposits | $205,131K | $209,983K |
| Total Loans | $114,503K | $195,416K |
| Total Equity | $33,448K | $33,509K |
| Net Income (quarter) | $1,030K | $-12 |
Liquidity & funding
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 55.82% | 93.06% |
| Core Deposit Ratio | 94.80% | 88.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank USA | Hibernia Bank |
|---|---|---|
| Headquarters City | BOUTTE | NEW ORLEANS |
| Headquarters State | LA | LA |
| Asset Tier | Small | Small |
| Charter Class | 16473 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 28 | 33 |
| Established | June 23, 1975, midnight | Jan. 1, 1886, 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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