Bank Comparison
First State Bank of Ben Wheeler, Texas vs First Federal Savings and Loan Association of Bath
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| CET1 Ratio | — | 25.94% |
| Tier 1 Capital Ratio | — | 25.94% |
| Total Capital Ratio | — | 27.20% |
| Tier 1 Leverage Ratio | 15.30% | 14.65% |
| Equity / Assets | 15.17% | 15.29% |
Profitability
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| Return on Assets (ROA) | 1.60% | 0.55% |
| Return on Equity (ROE) | 10.60% | 3.64% |
| Net Interest Margin (NIM) | 3.23% | 4.09% |
| Yield on Earning Assets | 4.42% | 5.35% |
| Cost of Funds | 1.34% | 1.37% |
Asset quality
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| Texas Ratio | 0.11% | 23.55% |
| Non-Performing Loan Ratio | 0.00% | 4.82% |
| Non-Performing Asset Ratio | 0.00% | 3.84% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.54% | 1.27% |
Balance sheet
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| Total Assets | $187,054K | $186,788K |
| Total Deposits | $158,550K | $143,425K |
| Total Loans | $67,623K | $148,807K |
| Total Equity | $28,370K | $28,553K |
| Net Income (quarter) | $743 | $259 |
Liquidity & funding
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| Loan-to-Deposit Ratio | 42.65% | 103.75% |
| Core Deposit Ratio | 83.29% | 95.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Ben Wheeler, Texas | First Federal Savings and Loan Association of Bath |
|---|---|---|
| Headquarters City | BEN WHEELER | BATH |
| Headquarters State | TX | ME |
| Asset Tier | Small | Small |
| Charter Class | 0 | 703786 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 29 | 37 |
| Established | Feb. 17, 1911, midnight | Jan. 1, 1935, 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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