Bank Comparison
Nbt Financial Bank vs Falls City National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| CET1 Ratio | 14.02% | — |
| Tier 1 Capital Ratio | 14.02% | — |
| Total Capital Ratio | 15.28% | — |
| Tier 1 Leverage Ratio | 10.79% | 15.77% |
| Equity / Assets | 10.53% | 15.80% |
Profitability
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.99% |
| Return on Equity (ROE) | 14.07% | 12.85% |
| Net Interest Margin (NIM) | 4.30% | 3.40% |
| Yield on Earning Assets | 6.30% | 4.46% |
| Cost of Funds | 2.14% | 1.25% |
Asset quality
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| Texas Ratio | 14.85% | 5.60% |
| Non-Performing Loan Ratio | 2.23% | 2.91% |
| Non-Performing Asset Ratio | 1.67% | 0.84% |
| Net Charge-Off Ratio | 0.04% | 0.11% |
| ACL / Loans | 1.35% | 1.26% |
Balance sheet
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| Total Assets | $598,478K | $598,089K |
| Total Deposits | $521,801K | $501,209K |
| Total Loans | $449,614K | $138,081K |
| Total Equity | $62,999K | $94,490K |
| Net Income (quarter) | $2,192K | $2,987K |
Liquidity & funding
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 86.17% | 27.55% |
| Core Deposit Ratio | 79.00% | 83.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Nbt Financial Bank | Falls City National Bank, the |
|---|---|---|
| Headquarters City | FORT WORTH | FALLS CITY |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 8606 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 77 | 28 |
| Established | Nov. 29, 1973, midnight | March 23, 1907, 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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