Bank Comparison
Fm Bank and Trust vs Alliance Bank Central Texas
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 | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| CET1 Ratio | 10.99% | 16.30% |
| Tier 1 Capital Ratio | 10.99% | 16.30% |
| Total Capital Ratio | 12.24% | 17.33% |
| Tier 1 Leverage Ratio | 8.96% | 11.94% |
| Equity / Assets | 8.36% | 11.21% |
Profitability
| Metric | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 1.05% |
| Return on Equity (ROE) | 31.89% | 9.12% |
| Net Interest Margin (NIM) | 4.12% | 3.11% |
| Yield on Earning Assets | 6.33% | 5.86% |
| Cost of Funds | 3.18% | 2.92% |
Asset quality
| Metric | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| Texas Ratio | 7.59% | 10.57% |
| Non-Performing Loan Ratio | 0.86% | 0.00% |
| Non-Performing Asset Ratio | 0.73% | 1.24% |
| Net Charge-Off Ratio | 0.04% | 0.01% |
| ACL / Loans | 1.52% | 1.11% |
Balance sheet
| Metric | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| Total Assets | $1,303M | $1,306M |
| Total Deposits | $1,173M | $1,061M |
| Total Loans | $1,089M | $864,423K |
| Total Equity | $109,017K | $146,364K |
| Net Income (quarter) | $6,188K | $3,344K |
Liquidity & funding
| Metric | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 92.76% | 81.43% |
| Core Deposit Ratio | 84.10% | 79.29% |
| Uninsured Deposit Ratio | 18.02% | 46.46% |
Identity
| Metric | Fm Bank and Trust | Alliance Bank Central Texas |
|---|---|---|
| Headquarters City | BLYTHEVILLE | WOODWAY |
| Headquarters State | AR | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 16 | 8 |
| Employees (FTE) | 155 | 104 |
| Established | March 16, 1908, midnight | March 16, 1939, 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 Fm Bank and Trust profile | View full Alliance Bank Central Texas profile | Browse all bank comparisons