Bank Comparison
First Texas Bank vs County National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| CET1 Ratio | 19.75% | 11.18% |
| Tier 1 Capital Ratio | 19.75% | 11.18% |
| Total Capital Ratio | 20.16% | 12.35% |
| Tier 1 Leverage Ratio | 11.14% | 9.19% |
| Equity / Assets | 10.86% | 9.26% |
Profitability
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 0.96% |
| Return on Equity (ROE) | 16.18% | 10.53% |
| Net Interest Margin (NIM) | 3.64% | 3.92% |
| Yield on Earning Assets | 4.37% | 5.61% |
| Cost of Funds | 0.80% | 1.83% |
Asset quality
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| Texas Ratio | 3.50% | 13.40% |
| Non-Performing Loan Ratio | 0.06% | 1.59% |
| Non-Performing Asset Ratio | 0.39% | 1.33% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 0.50% | 1.12% |
Balance sheet
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| Total Assets | $1,329M | $1,331M |
| Total Deposits | $1,178M | $1,130M |
| Total Loans | $585,782K | $1,102M |
| Total Equity | $144,351K | $123,279K |
| Net Income (quarter) | $5,828K | $3,232K |
Liquidity & funding
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.71% | 97.47% |
| Core Deposit Ratio | 92.99% | 97.07% |
| Uninsured Deposit Ratio | 27.38% | 23.92% |
Identity
| Metric | First Texas Bank | County National Bank |
|---|---|---|
| Headquarters City | GEORGETOWN | HILLSDALE |
| Headquarters State | TX | MI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 14062 |
| Regulator | FDIC | OCC |
| Domestic Branches | 11 | 15 |
| Employees (FTE) | 122 | 236 |
| Established | Jan. 1, 1898, midnight | March 19, 1934, 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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