Bank Comparison
First Security Bank and Trust Company vs Bank of Grand Lake
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| CET1 Ratio | — | 19.88% |
| Tier 1 Capital Ratio | — | 19.88% |
| Total Capital Ratio | — | 20.61% |
| Tier 1 Leverage Ratio | 9.62% | 10.91% |
| Equity / Assets | 9.75% | 10.82% |
Profitability
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| Return on Assets (ROA) | 0.93% | 1.24% |
| Return on Equity (ROE) | 9.79% | 11.45% |
| Net Interest Margin (NIM) | 3.87% | 3.70% |
| Yield on Earning Assets | 7.00% | 5.35% |
| Cost of Funds | 3.43% | 1.79% |
Asset quality
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| Texas Ratio | 71.13% | 1.06% |
| Non-Performing Loan Ratio | 8.42% | 0.19% |
| Non-Performing Asset Ratio | 7.30% | 0.12% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.68% | 0.62% |
Balance sheet
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| Total Assets | $247,894K | $239,560K |
| Total Deposits | $201,734K | $213,056K |
| Total Loans | $213,074K | $151,978K |
| Total Equity | $24,171K | $25,926K |
| Net Income (quarter) | $585 | $736 |
Liquidity & funding
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| Loan-to-Deposit Ratio | 105.62% | 71.33% |
| Core Deposit Ratio | 92.66% | 87.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank and Trust Company | Bank of Grand Lake |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | GROVE |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 33 | 35 |
| Established | April 6, 1951, midnight | June 9, 2005, 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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