Bank Comparison
First State Bank vs Texas Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| CET1 Ratio | 13.95% | 13.97% |
| Tier 1 Capital Ratio | 13.95% | 13.97% |
| Total Capital Ratio | 15.03% | 15.22% |
| Tier 1 Leverage Ratio | 11.63% | 9.94% |
| Equity / Assets | 13.29% | 12.35% |
Profitability
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 3.16% | 1.46% |
| Return on Equity (ROE) | 24.48% | 11.79% |
| Net Interest Margin (NIM) | 6.25% | 5.44% |
| Yield on Earning Assets | 7.71% | 6.68% |
| Cost of Funds | 1.54% | 1.36% |
Asset quality
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| Texas Ratio | 0.31% | 0.50% |
| Non-Performing Loan Ratio | 0.01% | 0.06% |
| Non-Performing Asset Ratio | 0.00% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.18% | 1.11% |
Balance sheet
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| Total Assets | $227,299K | $227,127K |
| Total Deposits | $194,791K | $196,251K |
| Total Loans | $170,676K | $166,030K |
| Total Equity | $30,217K | $28,049K |
| Net Income (quarter) | $1,812K | $815 |
Liquidity & funding
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.62% | 84.60% |
| Core Deposit Ratio | 94.17% | 92.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank | Texas Heritage Bank |
|---|---|---|
| Headquarters City | LOOMIS | Boerne |
| Headquarters State | NE | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 26 | 37 |
| Established | Oct. 22, 1945, midnight | Oct. 23, 1931, 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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