Bank Comparison
First Texas Bank vs 1st Financial Bank USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| CET1 Ratio | 19.75% | 21.27% |
| Tier 1 Capital Ratio | 19.75% | 21.27% |
| Total Capital Ratio | 20.16% | 22.53% |
| Tier 1 Leverage Ratio | 11.14% | 16.98% |
| Equity / Assets | 10.86% | 17.05% |
Profitability
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 1.05% |
| Return on Equity (ROE) | 16.18% | 6.22% |
| Net Interest Margin (NIM) | 3.64% | 9.37% |
| Yield on Earning Assets | 4.37% | 13.13% |
| Cost of Funds | 0.80% | 4.06% |
Asset quality
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| Texas Ratio | 3.50% | 13.23% |
| Non-Performing Loan Ratio | 0.06% | 2.15% |
| Non-Performing Asset Ratio | 0.39% | 1.71% |
| Net Charge-Off Ratio | 0.01% | 3.42% |
| ACL / Loans | 0.50% | 1.79% |
Balance sheet
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| Total Assets | $1,329M | $1,333M |
| Total Deposits | $1,178M | $1,023M |
| Total Loans | $585,782K | $969,926K |
| Total Equity | $144,351K | $227,288K |
| Net Income (quarter) | $5,828K | $3,522K |
Liquidity & funding
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 49.71% | 94.80% |
| Core Deposit Ratio | 92.99% | 99.00% |
| Uninsured Deposit Ratio | 27.38% | 2.75% |
Identity
| Metric | First Texas Bank | 1st Financial Bank USA |
|---|---|---|
| Headquarters City | GEORGETOWN | DAKOTA DUNES |
| Headquarters State | TX | SD |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 2 |
| Employees (FTE) | 122 | 313 |
| Established | Jan. 1, 1898, midnight | Jan. 1, 1910, 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 Texas Bank profile | View full 1st Financial Bank USA profile | Browse all bank comparisons