Bank Comparison
First State Bank of Bedias vs Muenster State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.38% | 14.37% |
| Equity / Assets | 17.63% | 11.88% |
Profitability
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.50% | 2.29% |
| Return on Equity (ROE) | 14.11% | 20.18% |
| Net Interest Margin (NIM) | 4.75% | 3.49% |
| Yield on Earning Assets | 6.18% | 4.61% |
| Cost of Funds | 1.66% | 1.25% |
Asset quality
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| Texas Ratio | 1.00% | 0.00% |
| Non-Performing Loan Ratio | 0.29% | 0.00% |
| Non-Performing Asset Ratio | 0.16% | 0.00% |
| Net Charge-Off Ratio | 0.28% | 0.00% |
| ACL / Loans | 1.44% | 0.92% |
Balance sheet
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| Total Assets | $221,652K | $221,060K |
| Total Deposits | $181,479K | $189,139K |
| Total Loans | $123,106K | $81,392K |
| Total Equity | $39,084K | $26,264K |
| Net Income (quarter) | $1,372K | $1,305K |
Liquidity & funding
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.83% | 43.03% |
| Core Deposit Ratio | 90.53% | 92.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Bedias | Muenster State Bank |
|---|---|---|
| Headquarters City | BEDIAS | MUENSTER |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 23 | 18 |
| Established | Aug. 28, 1907, midnight | July 3, 1923, 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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