Bank Comparison
Johnson City Bank vs American Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 17.50% |
| Tier 1 Capital Ratio | — | 17.50% |
| Total Capital Ratio | — | 18.75% |
| Tier 1 Leverage Ratio | 13.07% | 10.96% |
| Equity / Assets | 11.96% | 9.54% |
Profitability
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 1.78% |
| Return on Equity (ROE) | 12.06% | 17.90% |
| Net Interest Margin (NIM) | 3.99% | 4.59% |
| Yield on Earning Assets | 5.25% | 5.52% |
| Cost of Funds | 1.39% | 1.00% |
Asset quality
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| Texas Ratio | 2.16% | 1.10% |
| Non-Performing Loan Ratio | 0.23% | 0.23% |
| Non-Performing Asset Ratio | 0.13% | 0.11% |
| Net Charge-Off Ratio | 0.15% | -0.01% |
| ACL / Loans | 1.15% | 1.70% |
Balance sheet
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| Total Assets | $148,793K | $148,982K |
| Total Deposits | $130,739K | $133,594K |
| Total Loans | $86,860K | $75,138K |
| Total Equity | $17,800K | $14,213K |
| Net Income (quarter) | $536 | $670 |
Liquidity & funding
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.44% | 56.24% |
| Core Deposit Ratio | 82.38% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Johnson City Bank | American Heritage Bank |
|---|---|---|
| Headquarters City | JOHNSON CITY | CLOVIS |
| Headquarters State | TX | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 24 | 20 |
| Established | Aug. 1, 1944, midnight | Dec. 5, 2000, 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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