Bank Comparison
First Seacoast Bank vs Cattlemens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| CET1 Ratio | 14.72% | — |
| Tier 1 Capital Ratio | 14.72% | — |
| Total Capital Ratio | 15.77% | — |
| Tier 1 Leverage Ratio | 8.67% | 10.00% |
| Equity / Assets | 7.83% | 10.02% |
Profitability
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| Return on Assets (ROA) | -0.34% | 1.16% |
| Return on Equity (ROE) | -4.37% | 12.22% |
| Net Interest Margin (NIM) | 2.44% | 4.05% |
| Yield on Earning Assets | 4.46% | 6.82% |
| Cost of Funds | 2.21% | 3.02% |
Asset quality
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| Texas Ratio | 1.17% | 4.04% |
| Non-Performing Loan Ratio | 0.14% | 0.07% |
| Non-Performing Asset Ratio | 0.10% | 0.08% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.82% | 0.93% |
Balance sheet
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| Total Assets | $588,846K | $587,967K |
| Total Deposits | $478,095K | $455,615K |
| Total Loans | $418,387K | $513,213K |
| Total Equity | $46,125K | $58,916K |
| Net Income (quarter) | $-509 | $1,713K |
Liquidity & funding
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.51% | 112.64% |
| Core Deposit Ratio | 96.03% | 88.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Seacoast Bank | Cattlemens Bank |
|---|---|---|
| Headquarters City | DOVER | ALTUS |
| Headquarters State | NH | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 703997 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 72 | 72 |
| Established | Jan. 1, 1890, midnight | Jan. 1, 1910, 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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