Bank Comparison
Muenster State Bank vs Exchange Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.37% | 11.23% |
| Equity / Assets | 11.88% | 9.00% |
Profitability
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 2.29% | 2.22% |
| Return on Equity (ROE) | 20.18% | 24.29% |
| Net Interest Margin (NIM) | 3.49% | 4.13% |
| Yield on Earning Assets | 4.61% | 4.80% |
| Cost of Funds | 1.25% | 0.75% |
Asset quality
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 4.01% |
| Non-Performing Loan Ratio | 0.00% | 0.82% |
| Non-Performing Asset Ratio | 0.00% | 0.38% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 0.92% | 0.95% |
Balance sheet
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| Total Assets | $221,060K | $221,046K |
| Total Deposits | $189,139K | $200,494K |
| Total Loans | $81,392K | $102,584K |
| Total Equity | $26,264K | $19,896K |
| Net Income (quarter) | $1,305K | $1,179K |
Liquidity & funding
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 43.03% | 51.17% |
| Core Deposit Ratio | 92.92% | 97.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Muenster State Bank | Exchange Bank and Trust Company |
|---|---|---|
| Headquarters City | MUENSTER | NATCHITOCHES |
| Headquarters State | TX | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 18 | 30 |
| Established | July 3, 1923, midnight | Sept. 28, 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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