Bank Comparison
First State Bank of Randolph County vs Boston Trust Walden N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 18
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| CET1 Ratio | 15.71% | 87.97% |
| Tier 1 Capital Ratio | 15.71% | 87.97% |
| Total Capital Ratio | 16.37% | 87.98% |
| Tier 1 Leverage Ratio | 8.20% | 55.03% |
| Equity / Assets | 1.52% | 73.17% |
Profitability
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| Return on Assets (ROA) | -0.28% | 35.28% |
| Return on Equity (ROE) | -19.48% | 57.08% |
| Net Interest Margin (NIM) | 2.30% | 4.57% |
| Yield on Earning Assets | 3.99% | 4.57% |
| Cost of Funds | 1.76% | 0.00% |
Asset quality
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| Texas Ratio | 79.65% | 0.00% |
| Non-Performing Loan Ratio | 4.62% | 0.00% |
| Non-Performing Asset Ratio | 1.49% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.16% | 8.00% |
Balance sheet
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| Total Assets | $88,090K | $88,115K |
| Total Deposits | $86,286K | $0 |
| Total Loans | $28,348K | $50 |
| Total Equity | $1,338K | $64,472K |
| Net Income (quarter) | $-68 | $8,321K |
Liquidity & funding
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 32.85% | — |
| Core Deposit Ratio | 91.96% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Randolph County | Boston Trust Walden N.A. |
|---|---|---|
| Headquarters City | CUTHBERT | BOSTON |
| Headquarters State | GA | MA |
| Asset Tier | 6: < $100M | 6: < $100M |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 19 | 98 |
| Established | Oct. 3, 1900, 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 March 31, 2026. 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 Randolph County profile | View full Boston Trust Walden N.A. profile | Browse all bank comparisons