Bank Comparison
Incommons Bank, N.A. vs First American State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| CET1 Ratio | 13.91% | 14.74% |
| Tier 1 Capital Ratio | 13.91% | 14.74% |
| Total Capital Ratio | 15.09% | 16.00% |
| Tier 1 Leverage Ratio | 9.85% | 9.37% |
| Equity / Assets | 8.61% | 8.95% |
Profitability
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.42% |
| Return on Equity (ROE) | 19.66% | 4.74% |
| Net Interest Margin (NIM) | 4.66% | 2.88% |
| Yield on Earning Assets | 6.69% | 5.46% |
| Cost of Funds | 2.11% | 2.87% |
Asset quality
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| Texas Ratio | 4.38% | 2.39% |
| Non-Performing Loan Ratio | 0.07% | 0.32% |
| Non-Performing Asset Ratio | 0.31% | 0.23% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.13% | 0.95% |
Balance sheet
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| Total Assets | $282,454K | $281,809K |
| Total Deposits | $248,494K | $201,421K |
| Total Loans | $202,516K | $199,881K |
| Total Equity | $24,306K | $25,209K |
| Net Income (quarter) | $1,169K | $301 |
Liquidity & funding
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.50% | 99.24% |
| Core Deposit Ratio | 95.01% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Incommons Bank, N.A. | First American State Bank |
|---|---|---|
| Headquarters City | MEXIA | GREENWOOD VILLAGE |
| Headquarters State | TX | CO |
| Asset Tier | Small | Small |
| Charter Class | 12190 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 53 | 22 |
| Established | Feb. 1, 1882, midnight | July 10, 1995, 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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