Bank Comparison
First State Bank of Ben Wheeler, Texas vs Hatch Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 11
winning metrics across 18 comparable rows
Capital adequacy
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| CET1 Ratio | — | 30.76% |
| Tier 1 Capital Ratio | — | 30.76% |
| Total Capital Ratio | — | 32.02% |
| Tier 1 Leverage Ratio | 15.30% | 22.73% |
| Equity / Assets | 15.17% | 20.93% |
Profitability
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| Return on Assets (ROA) | 1.60% | 4.75% |
| Return on Equity (ROE) | 10.60% | 23.15% |
| Net Interest Margin (NIM) | 3.23% | 5.29% |
| Yield on Earning Assets | 4.42% | 7.22% |
| Cost of Funds | 1.34% | 2.67% |
Asset quality
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| Texas Ratio | 0.11% | 0.71% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 1.15% |
| ACL / Loans | 1.54% | 1.94% |
Balance sheet
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| Total Assets | $187,054K | $186,754K |
| Total Deposits | $158,550K | $57,074K |
| Total Loans | $67,623K | $120,249K |
| Total Equity | $28,370K | $39,083K |
| Net Income (quarter) | $743 | $2,199K |
Liquidity & funding
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 42.65% | 210.69% |
| Core Deposit Ratio | 83.29% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Ben Wheeler, Texas | Hatch Bank |
|---|---|---|
| Headquarters City | BEN WHEELER | SAN MARCOS |
| Headquarters State | TX | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 29 | 26 |
| Established | Feb. 17, 1911, midnight | Jan. 2, 1982, 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 of Ben Wheeler, Texas profile | View full Hatch Bank profile | Browse all bank comparisons