Bank Comparison
First State Bank, the vs Bank of Commerce
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, the | Bank of Commerce |
|---|---|---|
| CET1 Ratio | — | 13.54% |
| Tier 1 Capital Ratio | — | 13.54% |
| Total Capital Ratio | — | 14.73% |
| Tier 1 Leverage Ratio | 12.54% | 9.19% |
| Equity / Assets | 10.54% | 9.44% |
Profitability
| Metric | First State Bank, the | Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.31% |
| Return on Equity (ROE) | 17.75% | 13.93% |
| Net Interest Margin (NIM) | 4.08% | 3.76% |
| Yield on Earning Assets | 5.55% | 5.39% |
| Cost of Funds | 1.58% | 1.67% |
Asset quality
| Metric | First State Bank, the | Bank of Commerce |
|---|---|---|
| Texas Ratio | 1.45% | 0.08% |
| Non-Performing Loan Ratio | 0.14% | 0.01% |
| Non-Performing Asset Ratio | 0.09% | 0.01% |
| Net Charge-Off Ratio | 0.19% | 0.00% |
| ACL / Loans | 1.79% | 1.19% |
Balance sheet
| Metric | First State Bank, the | Bank of Commerce |
|---|---|---|
| Total Assets | $498,476K | $500,729K |
| Total Deposits | $430,733K | $442,033K |
| Total Loans | $293,245K | $328,628K |
| Total Equity | $52,545K | $47,292K |
| Net Income (quarter) | $2,302K | $1,627K |
Liquidity & funding
| Metric | First State Bank, the | Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 68.08% | 74.34% |
| Core Deposit Ratio | 91.62% | 88.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | Bank of Commerce |
|---|---|---|
| Headquarters City | NORTON | CHANUTE |
| Headquarters State | KS | KS |
| Asset Tier | Small | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 15 |
| Employees (FTE) | 68 | 101 |
| Established | April 21, 1902, midnight | May 2, 1985, 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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