Bank Comparison
Ohnward Bank & Trust vs First Pacific Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| CET1 Ratio | — | 12.19% |
| Tier 1 Capital Ratio | — | 12.19% |
| Total Capital Ratio | — | 13.05% |
| Tier 1 Leverage Ratio | 12.65% | 9.57% |
| Equity / Assets | 12.13% | 9.23% |
Profitability
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 0.43% |
| Return on Equity (ROE) | 11.32% | 4.54% |
| Net Interest Margin (NIM) | 3.94% | 3.75% |
| Yield on Earning Assets | 5.93% | 5.41% |
| Cost of Funds | 2.21% | 1.71% |
Asset quality
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| Texas Ratio | 8.04% | 3.27% |
| Non-Performing Loan Ratio | 1.31% | 0.39% |
| Non-Performing Asset Ratio | 1.02% | 0.26% |
| Net Charge-Off Ratio | 0.03% | 0.03% |
| ACL / Loans | 1.09% | 0.94% |
Balance sheet
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| Total Assets | $489,249K | $489,849K |
| Total Deposits | $408,837K | $409,799K |
| Total Loans | $380,799K | $331,026K |
| Total Equity | $59,356K | $45,203K |
| Net Income (quarter) | $1,663K | $510 |
Liquidity & funding
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.14% | 80.78% |
| Core Deposit Ratio | 87.47% | 94.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ohnward Bank & Trust | First Pacific Bank |
|---|---|---|
| Headquarters City | CASCADE | WHITTIER |
| Headquarters State | IA | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 61 | 49 |
| Established | Feb. 28, 1903, midnight | Sept. 18, 2006, 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.
View full Ohnward Bank & Trust profile | View full First Pacific Bank profile | Browse all bank comparisons