Bank Comparison
Junction National Bank vs First National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 8
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| CET1 Ratio | 38.32% | 20.04% |
| Tier 1 Capital Ratio | 38.32% | 20.04% |
| Total Capital Ratio | 39.47% | 21.30% |
| Tier 1 Leverage Ratio | 11.46% | 9.68% |
| Equity / Assets | 8.65% | 5.89% |
Profitability
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 0.66% |
| Return on Equity (ROE) | 17.18% | 11.77% |
| Net Interest Margin (NIM) | 3.17% | 3.13% |
| Yield on Earning Assets | 3.91% | 4.70% |
| Cost of Funds | 0.82% | 1.69% |
Asset quality
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 19.54% |
| Non-Performing Loan Ratio | 0.00% | 2.37% |
| Non-Performing Asset Ratio | 0.00% | 0.93% |
| Net Charge-Off Ratio | -0.02% | -0.20% |
| ACL / Loans | 1.60% | 2.33% |
Balance sheet
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| Total Assets | $95,420K | $97,619K |
| Total Deposits | $87,037K | $91,639K |
| Total Loans | $21,392K | $38,158K |
| Total Equity | $8,255K | $5,754K |
| Net Income (quarter) | $349 | $165 |
Liquidity & funding
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 24.58% | 41.64% |
| Core Deposit Ratio | 81.35% | 87.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Junction National Bank | First National Bank |
|---|---|---|
| Headquarters City | JUNCTION | ROTAN |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 14330 | 23182 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 12 | 14 |
| Established | April 1, 1935, midnight | April 1, 1997, 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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