Bank Comparison
Orange Bank & Trust Company vs Wells Fargo Bank South Central, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| CET1 Ratio | 17.66% | 75.99% |
| Tier 1 Capital Ratio | 17.66% | 75.99% |
| Total Capital Ratio | 18.91% | 76.31% |
| Tier 1 Leverage Ratio | 12.80% | 28.01% |
| Equity / Assets | 11.05% | 28.51% |
Profitability
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.71% | 1.70% |
| Return on Equity (ROE) | 15.81% | 6.11% |
| Net Interest Margin (NIM) | 4.35% | 2.34% |
| Yield on Earning Assets | 5.28% | 3.75% |
| Cost of Funds | 1.03% | 2.08% |
Asset quality
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Texas Ratio | 10.10% | 2.82% |
| Non-Performing Loan Ratio | 1.69% | 1.18% |
| Non-Performing Asset Ratio | 1.22% | 0.79% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.43% | 0.14% |
Balance sheet
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Total Assets | $2,697M | $2,700M |
| Total Deposits | $2,363M | $1,786M |
| Total Loans | $1,951M | $1,779M |
| Total Equity | $298,178K | $769,960K |
| Net Income (quarter) | $11,660K | $11,667K |
Liquidity & funding
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 82.58% | 99.65% |
| Core Deposit Ratio | 99.54% | 100.00% |
| Uninsured Deposit Ratio | 59.36% | 0.44% |
Identity
| Metric | Orange Bank & Trust Company | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Headquarters City | MIDDLETOWN | HOUSTON |
| Headquarters State | NY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 11668 |
| Regulator | FED | OCC |
| Domestic Branches | 16 | 1 |
| Employees (FTE) | 215 | 0 |
| Established | May 2, 1892, midnight | June 18, 1894, 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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