Bank Comparison
Global One Bank vs First National Bank of Hughes Springs, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| CET1 Ratio | 17.89% | 16.59% |
| Tier 1 Capital Ratio | 17.89% | 16.59% |
| Total Capital Ratio | 19.14% | 17.84% |
| Tier 1 Leverage Ratio | 14.31% | 10.73% |
| Equity / Assets | 16.88% | 10.61% |
Profitability
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| Return on Assets (ROA) | 0.20% | 2.38% |
| Return on Equity (ROE) | 1.20% | 22.84% |
| Net Interest Margin (NIM) | 3.82% | 6.49% |
| Yield on Earning Assets | 6.82% | 6.72% |
| Cost of Funds | 3.45% | 0.24% |
Asset quality
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| Texas Ratio | 1.42% | 19.74% |
| Non-Performing Loan Ratio | 0.26% | 1.05% |
| Non-Performing Asset Ratio | 0.21% | 1.21% |
| Net Charge-Off Ratio | 0.00% | 0.22% |
| ACL / Loans | 1.18% | 1.39% |
Balance sheet
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| Total Assets | $316,954K | $321,576K |
| Total Deposits | $259,041K | $286,961K |
| Total Loans | $252,838K | $208,763K |
| Total Equity | $53,495K | $34,113K |
| Net Income (quarter) | $160 | $1,892K |
Liquidity & funding
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| Loan-to-Deposit Ratio | 97.61% | 72.75% |
| Core Deposit Ratio | 69.78% | 96.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Global One Bank | First National Bank of Hughes Springs, the |
|---|---|---|
| Headquarters City | HOUSTON | HUGHES SPRINGS |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 6922 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 17 |
| Employees (FTE) | 37 | 110 |
| Established | Jan. 1, 1907, midnight | June 3, 1903, 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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