Bank Comparison
North Dallas Bank & Trust CO. vs Fairfield County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
2 · 19
winning metrics across 21 comparable rows
Capital adequacy
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.95% | 14.27% |
| Equity / Assets | 9.84% | 12.93% |
Profitability
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 0.60% |
| Return on Equity (ROE) | 3.91% | 4.69% |
| Net Interest Margin (NIM) | 2.45% | 3.45% |
| Yield on Earning Assets | 4.63% | 4.66% |
| Cost of Funds | 2.32% | 1.34% |
Asset quality
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| Texas Ratio | 15.13% | 1.25% |
| Non-Performing Loan Ratio | 2.36% | 0.22% |
| Non-Performing Asset Ratio | 1.64% | 0.17% |
| Net Charge-Off Ratio | 0.09% | -0.01% |
| ACL / Loans | 1.51% | 1.26% |
Balance sheet
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| Total Assets | $1,880M | $1,887M |
| Total Deposits | $1,615M | $1,427M |
| Total Loans | $1,302M | $1,485M |
| Total Equity | $185,101K | $243,946K |
| Net Income (quarter) | $1,803K | $2,844K |
Liquidity & funding
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.62% | 104.09% |
| Core Deposit Ratio | 88.16% | 97.36% |
| Uninsured Deposit Ratio | 43.77% | 42.57% |
Identity
| Metric | North Dallas Bank & Trust CO. | Fairfield County Bank |
|---|---|---|
| Headquarters City | DALLAS | RIDGEFIELD |
| Headquarters State | TX | CT |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 17 |
| Employees (FTE) | 170 | 203 |
| Established | March 20, 1961, midnight | May 14, 1871, 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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