Bank Comparison
First Texas Bank vs Adams Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| CET1 Ratio | 19.75% | — |
| Tier 1 Capital Ratio | 19.75% | — |
| Total Capital Ratio | 20.16% | — |
| Tier 1 Leverage Ratio | 11.14% | 13.62% |
| Equity / Assets | 10.86% | 13.62% |
Profitability
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 1.39% |
| Return on Equity (ROE) | 16.18% | 10.38% |
| Net Interest Margin (NIM) | 3.64% | 4.69% |
| Yield on Earning Assets | 4.37% | 6.34% |
| Cost of Funds | 0.80% | 1.89% |
Asset quality
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| Texas Ratio | 3.50% | 1.66% |
| Non-Performing Loan Ratio | 0.06% | 0.35% |
| Non-Performing Asset Ratio | 0.39% | 0.24% |
| Net Charge-Off Ratio | 0.01% | 0.02% |
| ACL / Loans | 0.50% | 1.29% |
Balance sheet
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| Total Assets | $1,329M | $1,328M |
| Total Deposits | $1,178M | $1,133M |
| Total Loans | $585,782K | $897,857K |
| Total Equity | $144,351K | $180,952K |
| Net Income (quarter) | $5,828K | $4,677K |
Liquidity & funding
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 49.71% | 79.21% |
| Core Deposit Ratio | 92.99% | 95.09% |
| Uninsured Deposit Ratio | 27.38% | 23.75% |
Identity
| Metric | First Texas Bank | Adams Bank & Trust |
|---|---|---|
| Headquarters City | GEORGETOWN | OGALLALA |
| Headquarters State | TX | NE |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 11 | 23 |
| Employees (FTE) | 122 | 241 |
| Established | Jan. 1, 1898, midnight | Feb. 26, 1962, 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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