Bank Comparison
First State Bank of Michigan vs Atlanta National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| CET1 Ratio | — | 20.43% |
| Tier 1 Capital Ratio | — | 20.43% |
| Total Capital Ratio | — | 21.00% |
| Tier 1 Leverage Ratio | 14.74% | 11.66% |
| Equity / Assets | 18.20% | 10.48% |
Profitability
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| Return on Assets (ROA) | -1.35% | 0.63% |
| Return on Equity (ROE) | -7.23% | 5.92% |
| Net Interest Margin (NIM) | 3.59% | 3.55% |
| Yield on Earning Assets | 5.61% | 4.58% |
| Cost of Funds | 2.35% | 1.12% |
Asset quality
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| Texas Ratio | 4.61% | 5.53% |
| Non-Performing Loan Ratio | 1.09% | 0.40% |
| Non-Performing Asset Ratio | 0.67% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.13% |
| ACL / Loans | 1.19% | 0.75% |
Balance sheet
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| Total Assets | $83,176K | $83,007K |
| Total Deposits | $66,791K | $70,649K |
| Total Loans | $51,264K | $34,395K |
| Total Equity | $15,142K | $8,698K |
| Net Income (quarter) | $-277 | $128 |
Liquidity & funding
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.75% | 48.68% |
| Core Deposit Ratio | 95.39% | 95.85% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Michigan | Atlanta National Bank, the |
|---|---|---|
| Headquarters City | DECATUR | ATLANTA |
| Headquarters State | MI | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 3711 |
| Regulator | FED | OCC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 22 | 18 |
| Established | Jan. 1, 1870, midnight | Aug. 2, 1887, 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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