Bank Comparison
First State Bank vs Auto Club Trust, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| CET1 Ratio | 13.01% | 17.94% |
| Tier 1 Capital Ratio | 13.01% | 17.94% |
| Total Capital Ratio | 14.27% | 19.13% |
| Tier 1 Leverage Ratio | 9.51% | 9.80% |
| Equity / Assets | 8.97% | 6.90% |
Profitability
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.71% | -0.74% |
| Return on Equity (ROE) | 18.67% | -12.02% |
| Net Interest Margin (NIM) | 4.34% | 1.36% |
| Yield on Earning Assets | 6.32% | 4.59% |
| Cost of Funds | 2.07% | 3.68% |
Asset quality
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| Texas Ratio | 16.21% | 10.77% |
| Non-Performing Loan Ratio | 1.44% | 0.94% |
| Non-Performing Asset Ratio | 1.39% | 0.51% |
| Net Charge-Off Ratio | 0.13% | 0.57% |
| ACL / Loans | 1.42% | 1.35% |
Balance sheet
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| Total Assets | $466,521K | $466,093K |
| Total Deposits | $421,329K | $339,070K |
| Total Loans | $346,424K | $242,018K |
| Total Equity | $41,851K | $32,172K |
| Net Income (quarter) | $1,936K | $-937 |
Liquidity & funding
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 82.22% | 71.38% |
| Core Deposit Ratio | 95.38% | 85.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank | Auto Club Trust, FSB |
|---|---|---|
| Headquarters City | CLUTE | Dearborn |
| Headquarters State | TX | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 715850 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 61 | 65 |
| Established | Oct. 16, 1958, midnight | Nov. 30, 1999, 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 State Bank profile | View full Auto Club Trust, FSB profile | Browse all bank comparisons