Bank Comparison
Lindell Bank & Trust Company vs Texas Heritage National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| CET1 Ratio | — | 11.09% |
| Tier 1 Capital Ratio | — | 11.09% |
| Total Capital Ratio | — | 12.30% |
| Tier 1 Leverage Ratio | 17.30% | 9.94% |
| Equity / Assets | 17.17% | 9.83% |
Profitability
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| Return on Assets (ROA) | 3.05% | 1.29% |
| Return on Equity (ROE) | 17.83% | 13.09% |
| Net Interest Margin (NIM) | 4.19% | 3.55% |
| Yield on Earning Assets | 5.53% | 6.71% |
| Cost of Funds | 1.55% | 3.37% |
Asset quality
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| Texas Ratio | 1.94% | 11.77% |
| Non-Performing Loan Ratio | 0.21% | 1.39% |
| Non-Performing Asset Ratio | 0.12% | 1.28% |
| Net Charge-Off Ratio | -0.09% | 0.05% |
| ACL / Loans | 2.85% | 1.26% |
Balance sheet
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| Total Assets | $944,969K | $943,826K |
| Total Deposits | $700,767K | $797,313K |
| Total Loans | $531,226K | $797,426K |
| Total Equity | $162,264K | $92,752K |
| Net Income (quarter) | $7,122K | $3,008K |
Liquidity & funding
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.81% | 100.01% |
| Core Deposit Ratio | 93.08% | 81.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lindell Bank & Trust Company | Texas Heritage National Bank |
|---|---|---|
| Headquarters City | SAINT LOUIS | DAINGERFIELD |
| Headquarters State | MO | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 4701 |
| Regulator | FED | OCC |
| Domestic Branches | 15 | 6 |
| Employees (FTE) | 141 | 112 |
| Established | Jan. 1, 1923, midnight | Jan. 1, 1892, 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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