Bank Comparison
Frost State Bank vs First National Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 12
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| CET1 Ratio | 18.21% | 151.13% |
| Tier 1 Capital Ratio | 18.21% | 151.13% |
| Total Capital Ratio | 19.18% | 151.13% |
| Tier 1 Leverage Ratio | 17.14% | 90.35% |
| Equity / Assets | 16.97% | 83.45% |
Profitability
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| Return on Assets (ROA) | 2.12% | — |
| Return on Equity (ROE) | 12.54% | 59.11% |
| Net Interest Margin (NIM) | 4.62% | 0.77% |
| Yield on Earning Assets | 7.51% | 0.77% |
| Cost of Funds | 3.37% | — |
Asset quality
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| Texas Ratio | 2.68% | 0.00% |
| Non-Performing Loan Ratio | 0.04% | — |
| Non-Performing Asset Ratio | 0.13% | 0.00% |
| Net Charge-Off Ratio | 0.32% | — |
| ACL / Loans | 1.05% | — |
Balance sheet
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| Total Assets | $53,845K | $53,889K |
| Total Deposits | $43,986K | $0 |
| Total Loans | $46,581K | $0 |
| Total Equity | $9,135K | $44,970K |
| Net Income (quarter) | $282 | $6,516K |
Liquidity & funding
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 105.90% | — |
| Core Deposit Ratio | 90.07% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Frost State Bank | First National Trust Company |
|---|---|---|
| Headquarters City | Frost | HERMITAGE |
| Headquarters State | MN | PA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 7 | 205 |
| Established | Dec. 20, 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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