Bank Comparison
Merchants & Marine Bank vs First National Bank and Trust Company of Weatherford Dba First Bank Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
First National Bank and Trust Company of Weatherford Dba First Bank Texas
RSSD 614368 · WEATHERFORD, TX
Full profile →Capital adequacy
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| CET1 Ratio | 15.38% | — |
| Tier 1 Capital Ratio | 15.38% | — |
| Total Capital Ratio | 16.28% | — |
| Tier 1 Leverage Ratio | 10.12% | 10.20% |
| Equity / Assets | 10.21% | 9.79% |
Profitability
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Return on Assets (ROA) | 0.15% | 0.48% |
| Return on Equity (ROE) | 1.45% | 5.03% |
| Net Interest Margin (NIM) | 4.11% | 4.21% |
| Yield on Earning Assets | 5.33% | 5.81% |
| Cost of Funds | 1.25% | 1.66% |
Asset quality
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Texas Ratio | 7.55% | 29.90% |
| Non-Performing Loan Ratio | 1.55% | 5.50% |
| Non-Performing Asset Ratio | 0.72% | 3.14% |
| Net Charge-Off Ratio | -0.03% | 0.24% |
| ACL / Loans | 1.20% | 1.29% |
Balance sheet
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Total Assets | $960,772K | $965,376K |
| Total Deposits | $658,548K | $868,296K |
| Total Loans | $448,123K | $537,722K |
| Total Equity | $98,066K | $94,494K |
| Net Income (quarter) | $354 | $1,184K |
Liquidity & funding
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 68.05% | 61.93% |
| Core Deposit Ratio | 97.19% | 90.75% |
| Uninsured Deposit Ratio | — | 25.90% |
Identity
| Metric | Merchants & Marine Bank | First National Bank and Trust Company of Weatherford Dba First Bank Texas |
|---|---|---|
| Headquarters City | PASCAGOULA | WEATHERFORD |
| Headquarters State | MS | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 2477 |
| Regulator | FDIC | OCC |
| Domestic Branches | 24 | 16 |
| Employees (FTE) | 213 | 188 |
| Established | Jan. 11, 1932, midnight | May 15, 1880, 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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