Bank Comparison
First State Bank of Bedias vs First National Bank of Anderson, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.38% | 11.27% |
| Equity / Assets | 17.63% | 11.63% |
Profitability
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| Return on Assets (ROA) | 2.50% | 1.17% |
| Return on Equity (ROE) | 14.11% | 10.64% |
| Net Interest Margin (NIM) | 4.75% | 4.09% |
| Yield on Earning Assets | 6.18% | 5.38% |
| Cost of Funds | 1.66% | 1.42% |
Asset quality
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| Texas Ratio | 1.00% | 9.95% |
| Non-Performing Loan Ratio | 0.29% | 1.97% |
| Non-Performing Asset Ratio | 0.16% | 1.24% |
| Net Charge-Off Ratio | 0.28% | -0.01% |
| ACL / Loans | 1.44% | 1.41% |
Balance sheet
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| Total Assets | $221,652K | $223,921K |
| Total Deposits | $181,479K | $197,446K |
| Total Loans | $123,106K | $141,281K |
| Total Equity | $39,084K | $26,031K |
| Net Income (quarter) | $1,372K | $686 |
Liquidity & funding
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| Loan-to-Deposit Ratio | 67.83% | 71.55% |
| Core Deposit Ratio | 90.53% | 89.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Bedias | First National Bank of Anderson, the |
|---|---|---|
| Headquarters City | BEDIAS | ANDERSON |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 7337 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 23 | 48 |
| Established | Aug. 28, 1907, midnight | July 5, 1904, 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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