Bank Comparison
First Port City Bank vs Frontier State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| CET1 Ratio | 13.96% | — |
| Tier 1 Capital Ratio | 13.96% | — |
| Total Capital Ratio | 15.22% | — |
| Tier 1 Leverage Ratio | 10.42% | 11.69% |
| Equity / Assets | 9.91% | 11.27% |
Profitability
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 1.63% |
| Return on Equity (ROE) | 16.06% | 14.16% |
| Net Interest Margin (NIM) | 4.60% | 3.31% |
| Yield on Earning Assets | 6.69% | 6.34% |
| Cost of Funds | 2.27% | 3.32% |
Asset quality
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| Texas Ratio | 4.17% | 7.37% |
| Non-Performing Loan Ratio | 0.53% | 0.71% |
| Non-Performing Asset Ratio | 0.46% | 0.57% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.38% | 1.29% |
Balance sheet
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| Total Assets | $600,578K | $600,666K |
| Total Deposits | $536,930K | $495,871K |
| Total Loans | $465,042K | $480,931K |
| Total Equity | $59,532K | $67,668K |
| Net Income (quarter) | $2,355K | $2,405K |
Liquidity & funding
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.61% | 96.99% |
| Core Deposit Ratio | 91.13% | 67.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Port City Bank | Frontier State Bank |
|---|---|---|
| Headquarters City | BAINBRIDGE | OKLAHOMA CITY |
| Headquarters State | GA | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 89 | 40 |
| Established | Oct. 7, 1974, midnight | April 14, 1975, 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.
View full First Port City Bank profile | View full Frontier State Bank profile | Browse all bank comparisons