Bank Comparison
North Dallas Bank & Trust CO. vs Firstbank Southwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| CET1 Ratio | — | 13.39% |
| Tier 1 Capital Ratio | — | 13.39% |
| Total Capital Ratio | — | 14.47% |
| Tier 1 Leverage Ratio | 9.95% | 11.03% |
| Equity / Assets | 9.84% | 9.40% |
Profitability
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 1.32% |
| Return on Equity (ROE) | 3.91% | 14.51% |
| Net Interest Margin (NIM) | 2.45% | 3.74% |
| Yield on Earning Assets | 4.63% | 5.77% |
| Cost of Funds | 2.32% | 2.22% |
Asset quality
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| Texas Ratio | 15.13% | 13.89% |
| Non-Performing Loan Ratio | 2.36% | 1.80% |
| Non-Performing Asset Ratio | 1.64% | 1.40% |
| Net Charge-Off Ratio | 0.09% | 0.11% |
| ACL / Loans | 1.51% | 1.16% |
Balance sheet
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| Total Assets | $1,880M | $1,862M |
| Total Deposits | $1,615M | $1,655M |
| Total Loans | $1,302M | $1,361M |
| Total Equity | $185,101K | $175,120K |
| Net Income (quarter) | $1,803K | $6,280K |
Liquidity & funding
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| Loan-to-Deposit Ratio | 80.62% | 82.25% |
| Core Deposit Ratio | 88.16% | 84.64% |
| Uninsured Deposit Ratio | 43.77% | 32.60% |
Identity
| Metric | North Dallas Bank & Trust CO. | Firstbank Southwest |
|---|---|---|
| Headquarters City | DALLAS | AMARILLO |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 12 |
| Employees (FTE) | 170 | 245 |
| Established | March 20, 1961, midnight | Jan. 1, 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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